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$15,446
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,927
−HK$488/mo
Today · 4.125%
HK$16,415
baseline
▲ 0.50% · 4.625%
HK$17,414
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,830/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,184
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,645
−HK$467/mo
Today · 4.125%
HK$18,112
baseline
▲ 0.50% · 4.625%
HK$19,067
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,224/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,536
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,112
−HK$586/mo
Today · 4.125%
HK$19,698
baseline
▲ 0.50% · 4.625%
HK$20,897
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,396/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,621
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,174
−HK$561/mo
Today · 4.125%
HK$21,735
baseline
▲ 0.50% · 4.625%
HK$22,881
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,470/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,625
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,298
−HK$683/mo
Today · 4.125%
HK$22,981
baseline
▲ 0.50% · 4.625%
HK$24,379
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,962/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,058
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,703
−HK$654/mo
Today · 4.125%
HK$25,357
baseline
▲ 0.50% · 4.625%
HK$26,694
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,714/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,804
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,668
−HK$879/mo
Today · 4.125%
HK$29,547
baseline
▲ 0.50% · 4.625%
HK$31,345
+HK$1,798/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$59,094/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,931
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,761
−HK$841/mo
Today · 4.125%
HK$32,602
baseline
▲ 0.50% · 4.625%
HK$34,321
+HK$1,719/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$65,204/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,220 · 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).