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$201,397 · 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$18,896
+HK$946/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$201,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,369
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,941
−HK$580/mo
Today · 4.125%
HK$19,521
baseline
▲ 0.50% · 4.625%
HK$20,709
+HK$1,188/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,042/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,397 · 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$22,675
+HK$1,135/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$201,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,431
−HK$1,344/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$201,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,842
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,481
−HK$649/mo
Today · 4.125%
HK$25,130
baseline
▲ 0.50% · 4.625%
HK$26,454
+HK$1,324/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$201,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,554
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,411
−HK$871/mo
Today · 4.125%
HK$29,282
baseline
▲ 0.50% · 4.625%
HK$31,064
+HK$1,782/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,564/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,654
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,476
−HK$834/mo
Today · 4.125%
HK$32,310
baseline
▲ 0.50% · 4.625%
HK$34,013
+HK$1,703/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,620/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,397 · 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).