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$15,289
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,765
−HK$483/mo
Today · 4.125%
HK$16,248
baseline
▲ 0.50% · 4.625%
HK$17,236
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,496/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,009
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,465
−HK$463/mo
Today · 4.125%
HK$17,928
baseline
▲ 0.50% · 4.625%
HK$18,873
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,856/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,347
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,917
−HK$580/mo
Today · 4.125%
HK$19,497
baseline
▲ 0.50% · 4.625%
HK$20,684
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,994/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,411
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,958
−HK$555/mo
Today · 4.125%
HK$21,513
baseline
▲ 0.50% · 4.625%
HK$22,647
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,026/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,404
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,070
−HK$677/mo
Today · 4.125%
HK$22,747
baseline
▲ 0.50% · 4.625%
HK$24,131
+HK$1,384/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,494/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,812
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,451
−HK$648/mo
Today · 4.125%
HK$25,099
baseline
▲ 0.50% · 4.625%
HK$26,422
+HK$1,323/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,198/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,520
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,376
−HK$870/mo
Today · 4.125%
HK$29,246
baseline
▲ 0.50% · 4.625%
HK$31,025
+HK$1,779/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,492/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,616
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,437
−HK$833/mo
Today · 4.125%
HK$32,270
baseline
▲ 0.50% · 4.625%
HK$33,971
+HK$1,701/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,540/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,148 · 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).