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$15,262
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,736
−HK$483/mo
Today · 4.125%
HK$16,219
baseline
▲ 0.50% · 4.625%
HK$17,206
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,438/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,978
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,434
−HK$462/mo
Today · 4.125%
HK$17,896
baseline
▲ 0.50% · 4.625%
HK$18,839
+HK$943/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,792/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,314
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,884
−HK$578/mo
Today · 4.125%
HK$19,462
baseline
▲ 0.50% · 4.625%
HK$20,647
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,924/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,374
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,921
−HK$554/mo
Today · 4.125%
HK$21,475
baseline
▲ 0.50% · 4.625%
HK$22,607
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,950/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,366
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,031
−HK$675/mo
Today · 4.125%
HK$22,706
baseline
▲ 0.50% · 4.625%
HK$24,088
+HK$1,382/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,412/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,770
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,407
−HK$647/mo
Today · 4.125%
HK$25,054
baseline
▲ 0.50% · 4.625%
HK$26,375
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,108/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,471
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,326
−HK$868/mo
Today · 4.125%
HK$29,194
baseline
▲ 0.50% · 4.625%
HK$30,970
+HK$1,776/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,388/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,561
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,381
−HK$831/mo
Today · 4.125%
HK$32,212
baseline
▲ 0.50% · 4.625%
HK$33,910
+HK$1,698/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,424/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,790 · 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).