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$15,282
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,758
−HK$483/mo
Today · 4.125%
HK$16,241
baseline
▲ 0.50% · 4.625%
HK$17,229
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,482/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,002
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,458
−HK$462/mo
Today · 4.125%
HK$17,920
baseline
▲ 0.50% · 4.625%
HK$18,865
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,840/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,339
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,909
−HK$580/mo
Today · 4.125%
HK$19,489
baseline
▲ 0.50% · 4.625%
HK$20,675
+HK$1,186/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,978/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,402
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,949
−HK$555/mo
Today · 4.125%
HK$21,504
baseline
▲ 0.50% · 4.625%
HK$22,638
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,008/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,395
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,061
−HK$676/mo
Today · 4.125%
HK$22,737
baseline
▲ 0.50% · 4.625%
HK$24,121
+HK$1,384/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,474/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,802
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,441
−HK$647/mo
Today · 4.125%
HK$25,088
baseline
▲ 0.50% · 4.625%
HK$26,411
+HK$1,323/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,176/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,508
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,364
−HK$869/mo
Today · 4.125%
HK$29,233
baseline
▲ 0.50% · 4.625%
HK$31,012
+HK$1,779/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,466/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,603
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,424
−HK$832/mo
Today · 4.125%
HK$32,256
baseline
▲ 0.50% · 4.625%
HK$33,956
+HK$1,700/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,512/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,063 · 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).