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$15,326
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,803
−HK$484/mo
Today · 4.125%
HK$16,287
baseline
▲ 0.50% · 4.625%
HK$17,278
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,574/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,050
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,508
−HK$464/mo
Today · 4.125%
HK$17,972
baseline
▲ 0.50% · 4.625%
HK$18,919
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,944/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,392
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,964
−HK$581/mo
Today · 4.125%
HK$19,545
baseline
▲ 0.50% · 4.625%
HK$20,734
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,090/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,460
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,009
−HK$557/mo
Today · 4.125%
HK$21,566
baseline
▲ 0.50% · 4.625%
HK$22,703
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,132/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,457
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,124
−HK$678/mo
Today · 4.125%
HK$22,802
baseline
▲ 0.50% · 4.625%
HK$24,190
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,604/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,870
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,511
−HK$649/mo
Today · 4.125%
HK$25,160
baseline
▲ 0.50% · 4.625%
HK$26,486
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,320/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,587
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,445
−HK$872/mo
Today · 4.125%
HK$29,317
baseline
▲ 0.50% · 4.625%
HK$31,101
+HK$1,784/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,634/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,691
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,514
−HK$835/mo
Today · 4.125%
HK$32,349
baseline
▲ 0.50% · 4.625%
HK$34,054
+HK$1,705/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,698/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,640 · 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).