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$15,432
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,912
−HK$488/mo
Today · 4.125%
HK$16,400
baseline
▲ 0.50% · 4.625%
HK$17,398
+HK$998/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,800/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,168
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,628
−HK$468/mo
Today · 4.125%
HK$18,096
baseline
▲ 0.50% · 4.625%
HK$19,049
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,192/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,518
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,094
−HK$586/mo
Today · 4.125%
HK$19,680
baseline
▲ 0.50% · 4.625%
HK$20,877
+HK$1,197/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,360/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,602
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,154
−HK$561/mo
Today · 4.125%
HK$21,715
baseline
▲ 0.50% · 4.625%
HK$22,859
+HK$1,144/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,430/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,605
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,277
−HK$683/mo
Today · 4.125%
HK$22,960
baseline
▲ 0.50% · 4.625%
HK$24,357
+HK$1,397/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,920/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,035
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,680
−HK$654/mo
Today · 4.125%
HK$25,334
baseline
▲ 0.50% · 4.625%
HK$26,669
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,668/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,778
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,642
−HK$878/mo
Today · 4.125%
HK$29,520
baseline
▲ 0.50% · 4.625%
HK$31,316
+HK$1,796/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,040/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,902
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,731
−HK$841/mo
Today · 4.125%
HK$32,572
baseline
▲ 0.50% · 4.625%
HK$34,289
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,144/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,031 · 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).