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$15,305
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,781
−HK$483/mo
Today · 4.125%
HK$16,264
baseline
▲ 0.50% · 4.625%
HK$17,254
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,528/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,026
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,483
−HK$463/mo
Today · 4.125%
HK$17,946
baseline
▲ 0.50% · 4.625%
HK$18,892
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,892/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,366
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$580/mo
Today · 4.125%
HK$19,517
baseline
▲ 0.50% · 4.625%
HK$20,705
+HK$1,188/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,034/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,432
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,980
−HK$555/mo
Today · 4.125%
HK$21,535
baseline
▲ 0.50% · 4.625%
HK$22,671
+HK$1,136/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,070/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,427
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,093
−HK$677/mo
Today · 4.125%
HK$22,770
baseline
▲ 0.50% · 4.625%
HK$24,156
+HK$1,386/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,540/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,837
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,476
−HK$649/mo
Today · 4.125%
HK$25,125
baseline
▲ 0.50% · 4.625%
HK$26,449
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,250/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,548
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,405
−HK$871/mo
Today · 4.125%
HK$29,276
baseline
▲ 0.50% · 4.625%
HK$31,057
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,552/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,647
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,469
−HK$834/mo
Today · 4.125%
HK$32,303
baseline
▲ 0.50% · 4.625%
HK$34,006
+HK$1,703/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,606/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,356 · 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).