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$15,275
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,750
−HK$483/mo
Today · 4.125%
HK$16,233
baseline
▲ 0.50% · 4.625%
HK$17,220
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,466/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,993
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,449
−HK$462/mo
Today · 4.125%
HK$17,911
baseline
▲ 0.50% · 4.625%
HK$18,855
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,822/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,330
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,900
−HK$579/mo
Today · 4.125%
HK$19,479
baseline
▲ 0.50% · 4.625%
HK$20,664
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,958/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,392
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,938
−HK$555/mo
Today · 4.125%
HK$21,493
baseline
▲ 0.50% · 4.625%
HK$22,626
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,986/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,385
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,050
−HK$676/mo
Today · 4.125%
HK$22,726
baseline
▲ 0.50% · 4.625%
HK$24,108
+HK$1,382/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,452/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,790
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,428
−HK$647/mo
Today · 4.125%
HK$25,075
baseline
▲ 0.50% · 4.625%
HK$26,397
+HK$1,322/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,150/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,495
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,350
−HK$869/mo
Today · 4.125%
HK$29,219
baseline
▲ 0.50% · 4.625%
HK$30,997
+HK$1,778/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,438/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,587
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,408
−HK$832/mo
Today · 4.125%
HK$32,240
baseline
▲ 0.50% · 4.625%
HK$33,939
+HK$1,699/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,480/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,961 · 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).