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$15,297
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,772
−HK$484/mo
Today · 4.125%
HK$16,256
baseline
▲ 0.50% · 4.625%
HK$17,245
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,512/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,017
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,474
−HK$463/mo
Today · 4.125%
HK$17,937
baseline
▲ 0.50% · 4.625%
HK$18,882
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,874/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,356
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,927
−HK$580/mo
Today · 4.125%
HK$19,507
baseline
▲ 0.50% · 4.625%
HK$20,694
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$39,014/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,421
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,968
−HK$556/mo
Today · 4.125%
HK$21,524
baseline
▲ 0.50% · 4.625%
HK$22,658
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,048/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,415
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,081
−HK$677/mo
Today · 4.125%
HK$22,758
baseline
▲ 0.50% · 4.625%
HK$24,143
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,516/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,824
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,463
−HK$648/mo
Today · 4.125%
HK$25,111
baseline
▲ 0.50% · 4.625%
HK$26,435
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,222/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,534
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,390
−HK$870/mo
Today · 4.125%
HK$29,260
baseline
▲ 0.50% · 4.625%
HK$31,041
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,520/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,631
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,452
−HK$834/mo
Today · 4.125%
HK$32,286
baseline
▲ 0.50% · 4.625%
HK$33,988
+HK$1,702/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,572/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,248 · 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).