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$15,273
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,748
−HK$483/mo
Today · 4.125%
HK$16,231
baseline
▲ 0.50% · 4.625%
HK$17,219
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,462/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,991
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,447
−HK$462/mo
Today · 4.125%
HK$17,909
baseline
▲ 0.50% · 4.625%
HK$18,853
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,818/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,328
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,898
−HK$579/mo
Today · 4.125%
HK$19,477
baseline
▲ 0.50% · 4.625%
HK$20,662
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,954/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,390
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,936
−HK$555/mo
Today · 4.125%
HK$21,491
baseline
▲ 0.50% · 4.625%
HK$22,624
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,982/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,382
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,048
−HK$675/mo
Today · 4.125%
HK$22,723
baseline
▲ 0.50% · 4.625%
HK$24,106
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,446/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,788
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,426
−HK$647/mo
Today · 4.125%
HK$25,073
baseline
▲ 0.50% · 4.625%
HK$26,395
+HK$1,322/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,146/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,492
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,347
−HK$869/mo
Today · 4.125%
HK$29,216
baseline
▲ 0.50% · 4.625%
HK$30,993
+HK$1,777/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,432/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,584
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,405
−HK$832/mo
Today · 4.125%
HK$32,237
baseline
▲ 0.50% · 4.625%
HK$33,936
+HK$1,699/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,474/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,941 · 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).