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$15,261
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,735
−HK$483/mo
Today · 4.125%
HK$16,218
baseline
▲ 0.50% · 4.625%
HK$17,204
+HK$986/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,436/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,977
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,433
−HK$461/mo
Today · 4.125%
HK$17,894
baseline
▲ 0.50% · 4.625%
HK$18,838
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,788/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,313
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,882
−HK$579/mo
Today · 4.125%
HK$19,461
baseline
▲ 0.50% · 4.625%
HK$20,645
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,922/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,373
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,919
−HK$554/mo
Today · 4.125%
HK$21,473
baseline
▲ 0.50% · 4.625%
HK$22,605
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,946/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,365
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,029
−HK$676/mo
Today · 4.125%
HK$22,705
baseline
▲ 0.50% · 4.625%
HK$24,086
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,410/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,768
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,406
−HK$646/mo
Today · 4.125%
HK$25,052
baseline
▲ 0.50% · 4.625%
HK$26,373
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,104/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,469
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,324
−HK$868/mo
Today · 4.125%
HK$29,192
baseline
▲ 0.50% · 4.625%
HK$30,968
+HK$1,776/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,384/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,559
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,379
−HK$831/mo
Today · 4.125%
HK$32,210
baseline
▲ 0.50% · 4.625%
HK$33,908
+HK$1,698/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,420/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,775 · 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).