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$15,297
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,773
−HK$484/mo
Today · 4.125%
HK$16,257
baseline
▲ 0.50% · 4.625%
HK$17,246
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,514/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,018
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,474
−HK$463/mo
Today · 4.125%
HK$17,937
baseline
▲ 0.50% · 4.625%
HK$18,883
+HK$946/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,874/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,357
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,928
−HK$580/mo
Today · 4.125%
HK$19,508
baseline
▲ 0.50% · 4.625%
HK$20,695
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,016/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,422
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,969
−HK$556/mo
Today · 4.125%
HK$21,525
baseline
▲ 0.50% · 4.625%
HK$22,660
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,050/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,416
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,082
−HK$677/mo
Today · 4.125%
HK$22,759
baseline
▲ 0.50% · 4.625%
HK$24,144
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,518/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,825
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,464
−HK$648/mo
Today · 4.125%
HK$25,112
baseline
▲ 0.50% · 4.625%
HK$26,436
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,224/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,535
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,392
−HK$870/mo
Today · 4.125%
HK$29,262
baseline
▲ 0.50% · 4.625%
HK$31,042
+HK$1,780/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,524/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,632
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,454
−HK$833/mo
Today · 4.125%
HK$32,287
baseline
▲ 0.50% · 4.625%
HK$33,989
+HK$1,702/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,574/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,258 · 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).