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$15,284
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,760
−HK$483/mo
Today · 4.125%
HK$16,243
baseline
▲ 0.50% · 4.625%
HK$17,231
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,486/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,003
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,459
−HK$463/mo
Today · 4.125%
HK$17,922
baseline
▲ 0.50% · 4.625%
HK$18,867
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,844/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,341
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,911
−HK$580/mo
Today · 4.125%
HK$19,491
baseline
▲ 0.50% · 4.625%
HK$20,677
+HK$1,186/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,982/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,404
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,951
−HK$556/mo
Today · 4.125%
HK$21,507
baseline
▲ 0.50% · 4.625%
HK$22,640
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,014/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,398
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,063
−HK$677/mo
Today · 4.125%
HK$22,740
baseline
▲ 0.50% · 4.625%
HK$24,123
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,480/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,805
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,443
−HK$648/mo
Today · 4.125%
HK$25,091
baseline
▲ 0.50% · 4.625%
HK$26,414
+HK$1,323/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,182/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,511
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,367
−HK$870/mo
Today · 4.125%
HK$29,237
baseline
▲ 0.50% · 4.625%
HK$31,016
+HK$1,779/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,474/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,606
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,427
−HK$833/mo
Today · 4.125%
HK$32,260
baseline
▲ 0.50% · 4.625%
HK$33,960
+HK$1,700/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,520/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,085 · 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).