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$15,300
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,775
−HK$484/mo
Today · 4.125%
HK$16,259
baseline
▲ 0.50% · 4.625%
HK$17,248
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,518/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,021
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,477
−HK$463/mo
Today · 4.125%
HK$17,940
baseline
▲ 0.50% · 4.625%
HK$18,886
+HK$946/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,880/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,360
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,931
−HK$580/mo
Today · 4.125%
HK$19,511
baseline
▲ 0.50% · 4.625%
HK$20,698
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,022/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,425
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,973
−HK$555/mo
Today · 4.125%
HK$21,528
baseline
▲ 0.50% · 4.625%
HK$22,663
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,056/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,419
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,086
−HK$677/mo
Today · 4.125%
HK$22,763
baseline
▲ 0.50% · 4.625%
HK$24,148
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,526/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,829
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,468
−HK$648/mo
Today · 4.125%
HK$25,116
baseline
▲ 0.50% · 4.625%
HK$26,440
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,232/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,539
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,396
−HK$870/mo
Today · 4.125%
HK$29,266
baseline
▲ 0.50% · 4.625%
HK$31,047
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,532/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,637
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,459
−HK$833/mo
Today · 4.125%
HK$32,292
baseline
▲ 0.50% · 4.625%
HK$33,995
+HK$1,703/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,584/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,288 · 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).