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$15,303
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,779
−HK$483/mo
Today · 4.125%
HK$16,262
baseline
▲ 0.50% · 4.625%
HK$17,252
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,524/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,024
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,481
−HK$463/mo
Today · 4.125%
HK$17,944
baseline
▲ 0.50% · 4.625%
HK$18,890
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,888/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,363
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,934
−HK$581/mo
Today · 4.125%
HK$19,515
baseline
▲ 0.50% · 4.625%
HK$20,702
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,030/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,429
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,977
−HK$556/mo
Today · 4.125%
HK$21,533
baseline
▲ 0.50% · 4.625%
HK$22,668
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,066/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,424
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,090
−HK$677/mo
Today · 4.125%
HK$22,767
baseline
▲ 0.50% · 4.625%
HK$24,153
+HK$1,386/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,534/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,834
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,473
−HK$648/mo
Today · 4.125%
HK$25,121
baseline
▲ 0.50% · 4.625%
HK$26,446
+HK$1,325/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,242/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,545
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,402
−HK$870/mo
Today · 4.125%
HK$29,272
baseline
▲ 0.50% · 4.625%
HK$31,053
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,544/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,643
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,465
−HK$834/mo
Today · 4.125%
HK$32,299
baseline
▲ 0.50% · 4.625%
HK$34,001
+HK$1,702/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,598/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,329 · 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).