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$15,268
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,743
−HK$483/mo
Today · 4.125%
HK$16,226
baseline
▲ 0.50% · 4.625%
HK$17,213
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,452/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,986
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,441
−HK$463/mo
Today · 4.125%
HK$17,904
baseline
▲ 0.50% · 4.625%
HK$18,847
+HK$943/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,808/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,322
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,892
−HK$579/mo
Today · 4.125%
HK$19,471
baseline
▲ 0.50% · 4.625%
HK$20,656
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,942/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,383
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,930
−HK$554/mo
Today · 4.125%
HK$21,484
baseline
▲ 0.50% · 4.625%
HK$22,617
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,968/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,376
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,041
−HK$675/mo
Today · 4.125%
HK$22,716
baseline
▲ 0.50% · 4.625%
HK$24,098
+HK$1,382/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,432/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,780
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,418
−HK$647/mo
Today · 4.125%
HK$25,065
baseline
▲ 0.50% · 4.625%
HK$26,386
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,130/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,483
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,338
−HK$868/mo
Today · 4.125%
HK$29,206
baseline
▲ 0.50% · 4.625%
HK$30,984
+HK$1,778/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,412/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,575
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,395
−HK$831/mo
Today · 4.125%
HK$32,226
baseline
▲ 0.50% · 4.625%
HK$33,925
+HK$1,699/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,452/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,877 · 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).