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$15,447
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,927
−HK$489/mo
Today · 4.125%
HK$16,416
baseline
▲ 0.50% · 4.625%
HK$17,414
+HK$998/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,832/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,185
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,645
−HK$468/mo
Today · 4.125%
HK$18,113
baseline
▲ 0.50% · 4.625%
HK$19,068
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,226/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,536
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,113
−HK$586/mo
Today · 4.125%
HK$19,699
baseline
▲ 0.50% · 4.625%
HK$20,897
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,398/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,622
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,175
−HK$561/mo
Today · 4.125%
HK$21,736
baseline
▲ 0.50% · 4.625%
HK$22,881
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,472/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,626
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,298
−HK$684/mo
Today · 4.125%
HK$22,982
baseline
▲ 0.50% · 4.625%
HK$24,380
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,964/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,058
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,704
−HK$654/mo
Today · 4.125%
HK$25,358
baseline
▲ 0.50% · 4.625%
HK$26,695
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,716/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,805
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,669
−HK$879/mo
Today · 4.125%
HK$29,548
baseline
▲ 0.50% · 4.625%
HK$31,346
+HK$1,798/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$59,096/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,932
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,762
−HK$841/mo
Today · 4.125%
HK$32,603
baseline
▲ 0.50% · 4.625%
HK$34,322
+HK$1,719/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$65,206/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,227 · 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).