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$15,275
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,751
−HK$482/mo
Today · 4.125%
HK$16,233
baseline
▲ 0.50% · 4.625%
HK$17,221
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,466/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,994
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,449
−HK$463/mo
Today · 4.125%
HK$17,912
baseline
▲ 0.50% · 4.625%
HK$18,856
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,824/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,330
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,901
−HK$579/mo
Today · 4.125%
HK$19,480
baseline
▲ 0.50% · 4.625%
HK$20,665
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,960/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,392
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,939
−HK$555/mo
Today · 4.125%
HK$21,494
baseline
▲ 0.50% · 4.625%
HK$22,627
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,988/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,386
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,051
−HK$676/mo
Today · 4.125%
HK$22,727
baseline
▲ 0.50% · 4.625%
HK$24,109
+HK$1,382/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,454/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,791
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,429
−HK$648/mo
Today · 4.125%
HK$25,077
baseline
▲ 0.50% · 4.625%
HK$26,398
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,154/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,496
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,351
−HK$869/mo
Today · 4.125%
HK$29,220
baseline
▲ 0.50% · 4.625%
HK$30,998
+HK$1,778/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,440/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,589
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,409
−HK$832/mo
Today · 4.125%
HK$32,241
baseline
▲ 0.50% · 4.625%
HK$33,941
+HK$1,700/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,482/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,970 · 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).