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$15,298
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,773
−HK$484/mo
Today · 4.125%
HK$16,257
baseline
▲ 0.50% · 4.625%
HK$17,246
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,514/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,018
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,475
−HK$463/mo
Today · 4.125%
HK$17,938
baseline
▲ 0.50% · 4.625%
HK$18,883
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,876/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,357
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,928
−HK$580/mo
Today · 4.125%
HK$19,508
baseline
▲ 0.50% · 4.625%
HK$20,695
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,016/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,422
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,970
−HK$556/mo
Today · 4.125%
HK$21,526
baseline
▲ 0.50% · 4.625%
HK$22,660
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,052/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,417
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,083
−HK$677/mo
Today · 4.125%
HK$22,760
baseline
▲ 0.50% · 4.625%
HK$24,145
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,520/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,826
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,465
−HK$648/mo
Today · 4.125%
HK$25,113
baseline
▲ 0.50% · 4.625%
HK$26,437
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,226/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,536
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,392
−HK$870/mo
Today · 4.125%
HK$29,262
baseline
▲ 0.50% · 4.625%
HK$31,043
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,524/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,633
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,455
−HK$833/mo
Today · 4.125%
HK$32,288
baseline
▲ 0.50% · 4.625%
HK$33,990
+HK$1,702/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,576/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,262 · 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).