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$15,272
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,747
−HK$483/mo
Today · 4.125%
HK$16,230
baseline
▲ 0.50% · 4.625%
HK$17,218
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,460/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,990
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,446
−HK$462/mo
Today · 4.125%
HK$17,908
baseline
▲ 0.50% · 4.625%
HK$18,852
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,816/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,327
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,897
−HK$579/mo
Today · 4.125%
HK$19,476
baseline
▲ 0.50% · 4.625%
HK$20,661
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,952/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,388
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,935
−HK$555/mo
Today · 4.125%
HK$21,490
baseline
▲ 0.50% · 4.625%
HK$22,623
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,980/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,381
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,046
−HK$676/mo
Today · 4.125%
HK$22,722
baseline
▲ 0.50% · 4.625%
HK$24,105
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,444/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,786
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,424
−HK$648/mo
Today · 4.125%
HK$25,072
baseline
▲ 0.50% · 4.625%
HK$26,393
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,144/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,490
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,345
−HK$869/mo
Today · 4.125%
HK$29,214
baseline
▲ 0.50% · 4.625%
HK$30,992
+HK$1,778/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,428/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,583
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,403
−HK$832/mo
Today · 4.125%
HK$32,235
baseline
▲ 0.50% · 4.625%
HK$33,934
+HK$1,699/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,470/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,930 · 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).