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$15,332
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,809
−HK$484/mo
Today · 4.125%
HK$16,293
baseline
▲ 0.50% · 4.625%
HK$17,284
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,586/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,056
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,514
−HK$464/mo
Today · 4.125%
HK$17,978
baseline
▲ 0.50% · 4.625%
HK$18,925
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,956/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,398
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,970
−HK$582/mo
Today · 4.125%
HK$19,552
baseline
▲ 0.50% · 4.625%
HK$20,741
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,104/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,468
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,016
−HK$557/mo
Today · 4.125%
HK$21,573
baseline
▲ 0.50% · 4.625%
HK$22,710
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,146/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,464
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,132
−HK$678/mo
Today · 4.125%
HK$22,810
baseline
▲ 0.50% · 4.625%
HK$24,198
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,620/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,879
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,519
−HK$650/mo
Today · 4.125%
HK$25,169
baseline
▲ 0.50% · 4.625%
HK$26,496
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,338/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,597
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,455
−HK$873/mo
Today · 4.125%
HK$29,328
baseline
▲ 0.50% · 4.625%
HK$31,112
+HK$1,784/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,656/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,701
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,525
−HK$835/mo
Today · 4.125%
HK$32,360
baseline
▲ 0.50% · 4.625%
HK$34,066
+HK$1,706/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,720/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,710 · 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).