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$15,302
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,778
−HK$483/mo
Today · 4.125%
HK$16,261
baseline
▲ 0.50% · 4.625%
HK$17,251
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,522/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,023
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,480
−HK$463/mo
Today · 4.125%
HK$17,943
baseline
▲ 0.50% · 4.625%
HK$18,889
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,886/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,362
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,933
−HK$581/mo
Today · 4.125%
HK$19,514
baseline
▲ 0.50% · 4.625%
HK$20,701
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,028/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,428
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,976
−HK$555/mo
Today · 4.125%
HK$21,531
baseline
▲ 0.50% · 4.625%
HK$22,666
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,062/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,423
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,089
−HK$677/mo
Today · 4.125%
HK$22,766
baseline
▲ 0.50% · 4.625%
HK$24,151
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,532/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,832
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,472
−HK$648/mo
Today · 4.125%
HK$25,120
baseline
▲ 0.50% · 4.625%
HK$26,444
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,240/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,543
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,400
−HK$871/mo
Today · 4.125%
HK$29,271
baseline
▲ 0.50% · 4.625%
HK$31,052
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,542/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,642
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,463
−HK$834/mo
Today · 4.125%
HK$32,297
baseline
▲ 0.50% · 4.625%
HK$34,000
+HK$1,703/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,594/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,318 · 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).