The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,296
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,772
−HK$483/mo
Today · 4.125%
HK$16,255
baseline
▲ 0.50% · 4.625%
HK$17,244
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,510/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,017
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,473
−HK$463/mo
Today · 4.125%
HK$17,936
baseline
▲ 0.50% · 4.625%
HK$18,881
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,872/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,355
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,926
−HK$580/mo
Today · 4.125%
HK$19,506
baseline
▲ 0.50% · 4.625%
HK$20,693
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$39,012/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,420
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,967
−HK$556/mo
Today · 4.125%
HK$21,523
baseline
▲ 0.50% · 4.625%
HK$22,658
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,046/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,414
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,080
−HK$677/mo
Today · 4.125%
HK$22,757
baseline
▲ 0.50% · 4.625%
HK$24,142
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,514/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,823
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,462
−HK$648/mo
Today · 4.125%
HK$25,110
baseline
▲ 0.50% · 4.625%
HK$26,434
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,220/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,533
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,389
−HK$870/mo
Today · 4.125%
HK$29,259
baseline
▲ 0.50% · 4.625%
HK$31,040
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,518/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,630
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,451
−HK$834/mo
Today · 4.125%
HK$32,285
baseline
▲ 0.50% · 4.625%
HK$33,986
+HK$1,701/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,570/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,240 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).