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$15,264
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,739
−HK$482/mo
Today · 4.125%
HK$16,221
baseline
▲ 0.50% · 4.625%
HK$17,208
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,442/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,981
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,437
−HK$462/mo
Today · 4.125%
HK$17,899
baseline
▲ 0.50% · 4.625%
HK$18,842
+HK$943/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,798/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,317
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,887
−HK$579/mo
Today · 4.125%
HK$19,466
baseline
▲ 0.50% · 4.625%
HK$20,650
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,932/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,377
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,924
−HK$554/mo
Today · 4.125%
HK$21,478
baseline
▲ 0.50% · 4.625%
HK$22,611
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,956/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,370
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,035
−HK$675/mo
Today · 4.125%
HK$22,710
baseline
▲ 0.50% · 4.625%
HK$24,092
+HK$1,382/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,420/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,774
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,411
−HK$647/mo
Today · 4.125%
HK$25,058
baseline
▲ 0.50% · 4.625%
HK$26,379
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,116/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,475
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,330
−HK$868/mo
Today · 4.125%
HK$29,198
baseline
▲ 0.50% · 4.625%
HK$30,975
+HK$1,777/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,396/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,566
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,386
−HK$832/mo
Today · 4.125%
HK$32,218
baseline
▲ 0.50% · 4.625%
HK$33,916
+HK$1,698/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,436/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,822 · 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).