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$15,285
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,760
−HK$483/mo
Today · 4.125%
HK$16,243
baseline
▲ 0.50% · 4.625%
HK$17,231
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,486/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,004
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,460
−HK$463/mo
Today · 4.125%
HK$17,923
baseline
▲ 0.50% · 4.625%
HK$18,867
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,846/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,342
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,912
−HK$580/mo
Today · 4.125%
HK$19,492
baseline
▲ 0.50% · 4.625%
HK$20,678
+HK$1,186/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,984/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,405
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,952
−HK$555/mo
Today · 4.125%
HK$21,507
baseline
▲ 0.50% · 4.625%
HK$22,641
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,014/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,398
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,064
−HK$676/mo
Today · 4.125%
HK$22,740
baseline
▲ 0.50% · 4.625%
HK$24,124
+HK$1,384/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,480/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,806
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,444
−HK$648/mo
Today · 4.125%
HK$25,092
baseline
▲ 0.50% · 4.625%
HK$26,414
+HK$1,322/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,184/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,512
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,368
−HK$870/mo
Today · 4.125%
HK$29,238
baseline
▲ 0.50% · 4.625%
HK$31,017
+HK$1,779/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,476/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,607
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,428
−HK$833/mo
Today · 4.125%
HK$32,261
baseline
▲ 0.50% · 4.625%
HK$33,961
+HK$1,700/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,522/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,091 · 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).