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$15,308
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,784
−HK$484/mo
Today · 4.125%
HK$16,268
baseline
▲ 0.50% · 4.625%
HK$17,258
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,536/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,030
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,487
−HK$463/mo
Today · 4.125%
HK$17,950
baseline
▲ 0.50% · 4.625%
HK$18,897
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,900/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,370
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,941
−HK$581/mo
Today · 4.125%
HK$19,522
baseline
▲ 0.50% · 4.625%
HK$20,710
+HK$1,188/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,044/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,436
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,984
−HK$556/mo
Today · 4.125%
HK$21,540
baseline
▲ 0.50% · 4.625%
HK$22,676
+HK$1,136/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,080/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,432
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,098
−HK$677/mo
Today · 4.125%
HK$22,775
baseline
▲ 0.50% · 4.625%
HK$24,161
+HK$1,386/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,550/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,842
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,482
−HK$648/mo
Today · 4.125%
HK$25,130
baseline
▲ 0.50% · 4.625%
HK$26,455
+HK$1,325/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,260/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,555
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,412
−HK$871/mo
Today · 4.125%
HK$29,283
baseline
▲ 0.50% · 4.625%
HK$31,065
+HK$1,782/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,566/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,654
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,477
−HK$834/mo
Today · 4.125%
HK$32,311
baseline
▲ 0.50% · 4.625%
HK$34,014
+HK$1,703/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,622/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,402 · 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).