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$15,337
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,814
−HK$484/mo
Today · 4.125%
HK$16,298
baseline
▲ 0.50% · 4.625%
HK$17,290
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,596/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,062
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,519
−HK$465/mo
Today · 4.125%
HK$17,984
baseline
▲ 0.50% · 4.625%
HK$18,932
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,968/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,404
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,976
−HK$582/mo
Today · 4.125%
HK$19,558
baseline
▲ 0.50% · 4.625%
HK$20,748
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,116/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,474
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,023
−HK$557/mo
Today · 4.125%
HK$21,580
baseline
▲ 0.50% · 4.625%
HK$22,718
+HK$1,138/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,160/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,471
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,139
−HK$679/mo
Today · 4.125%
HK$22,818
baseline
▲ 0.50% · 4.625%
HK$24,206
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,636/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,887
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,527
−HK$650/mo
Today · 4.125%
HK$25,177
baseline
▲ 0.50% · 4.625%
HK$26,504
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,354/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,606
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,465
−HK$872/mo
Today · 4.125%
HK$29,337
baseline
▲ 0.50% · 4.625%
HK$31,122
+HK$1,785/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$58,674/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,711
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,535
−HK$836/mo
Today · 4.125%
HK$32,371
baseline
▲ 0.50% · 4.625%
HK$34,077
+HK$1,706/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$64,742/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,775 · 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).