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$15,292
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,768
−HK$483/mo
Today · 4.125%
HK$16,251
baseline
▲ 0.50% · 4.625%
HK$17,240
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,502/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,012
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,469
−HK$463/mo
Today · 4.125%
HK$17,932
baseline
▲ 0.50% · 4.625%
HK$18,877
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,864/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,351
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,921
−HK$580/mo
Today · 4.125%
HK$19,501
baseline
▲ 0.50% · 4.625%
HK$20,688
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$39,002/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,415
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,962
−HK$556/mo
Today · 4.125%
HK$21,518
baseline
▲ 0.50% · 4.625%
HK$22,652
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,036/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,409
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,075
−HK$677/mo
Today · 4.125%
HK$22,752
baseline
▲ 0.50% · 4.625%
HK$24,136
+HK$1,384/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,504/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,817
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,456
−HK$648/mo
Today · 4.125%
HK$25,104
baseline
▲ 0.50% · 4.625%
HK$26,427
+HK$1,323/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,208/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,526
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,382
−HK$870/mo
Today · 4.125%
HK$29,252
baseline
▲ 0.50% · 4.625%
HK$31,032
+HK$1,780/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,504/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,622
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,444
−HK$833/mo
Today · 4.125%
HK$32,277
baseline
▲ 0.50% · 4.625%
HK$33,978
+HK$1,701/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,554/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,191 · 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).