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$15,454
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,935
−HK$488/mo
Today · 4.125%
HK$16,423
baseline
▲ 0.50% · 4.625%
HK$17,422
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,846/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,192
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,653
−HK$468/mo
Today · 4.125%
HK$18,121
baseline
▲ 0.50% · 4.625%
HK$19,076
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,242/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,545
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,122
−HK$586/mo
Today · 4.125%
HK$19,708
baseline
▲ 0.50% · 4.625%
HK$20,907
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,416/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,631
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,184
−HK$561/mo
Today · 4.125%
HK$21,745
baseline
▲ 0.50% · 4.625%
HK$22,892
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,490/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,636
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,309
−HK$683/mo
Today · 4.125%
HK$22,992
baseline
▲ 0.50% · 4.625%
HK$24,391
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,984/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,069
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,715
−HK$655/mo
Today · 4.125%
HK$25,370
baseline
▲ 0.50% · 4.625%
HK$26,707
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,740/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,817
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,682
−HK$879/mo
Today · 4.125%
HK$29,561
baseline
▲ 0.50% · 4.625%
HK$31,360
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,122/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,946
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,776
−HK$842/mo
Today · 4.125%
HK$32,618
baseline
▲ 0.50% · 4.625%
HK$34,338
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,236/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,319 · 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).