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$15,435
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,915
−HK$487/mo
Today · 4.125%
HK$16,402
baseline
▲ 0.50% · 4.625%
HK$17,400
+HK$998/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,804/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,171
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,631
−HK$467/mo
Today · 4.125%
HK$18,098
baseline
▲ 0.50% · 4.625%
HK$19,052
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,196/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,521
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,098
−HK$585/mo
Today · 4.125%
HK$19,683
baseline
▲ 0.50% · 4.625%
HK$20,881
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,366/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,605
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,158
−HK$560/mo
Today · 4.125%
HK$21,718
baseline
▲ 0.50% · 4.625%
HK$22,863
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,436/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,608
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,280
−HK$683/mo
Today · 4.125%
HK$22,963
baseline
▲ 0.50% · 4.625%
HK$24,361
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,926/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,039
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,684
−HK$654/mo
Today · 4.125%
HK$25,338
baseline
▲ 0.50% · 4.625%
HK$26,673
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,676/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,782
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,646
−HK$878/mo
Today · 4.125%
HK$29,524
baseline
▲ 0.50% · 4.625%
HK$31,321
+HK$1,797/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,048/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,907
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,736
−HK$841/mo
Today · 4.125%
HK$32,577
baseline
▲ 0.50% · 4.625%
HK$34,294
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,154/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,064 · 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).