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$15,270
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,745
−HK$483/mo
Today · 4.125%
HK$16,228
baseline
▲ 0.50% · 4.625%
HK$17,215
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,456/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,988
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,444
−HK$462/mo
Today · 4.125%
HK$17,906
baseline
▲ 0.50% · 4.625%
HK$18,850
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,812/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,324
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,894
−HK$580/mo
Today · 4.125%
HK$19,474
baseline
▲ 0.50% · 4.625%
HK$20,658
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,948/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,386
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,933
−HK$554/mo
Today · 4.125%
HK$21,487
baseline
▲ 0.50% · 4.625%
HK$22,620
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,974/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,379
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,044
−HK$675/mo
Today · 4.125%
HK$22,719
baseline
▲ 0.50% · 4.625%
HK$24,102
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,438/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,783
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,421
−HK$647/mo
Today · 4.125%
HK$25,068
baseline
▲ 0.50% · 4.625%
HK$26,390
+HK$1,322/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,136/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,487
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,342
−HK$868/mo
Today · 4.125%
HK$29,210
baseline
▲ 0.50% · 4.625%
HK$30,988
+HK$1,778/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,420/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,579
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,399
−HK$832/mo
Today · 4.125%
HK$32,231
baseline
▲ 0.50% · 4.625%
HK$33,930
+HK$1,699/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,462/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,904 · 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).