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$15,339
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,816
−HK$485/mo
Today · 4.125%
HK$16,301
baseline
▲ 0.50% · 4.625%
HK$17,293
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,602/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,064
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,522
−HK$464/mo
Today · 4.125%
HK$17,986
baseline
▲ 0.50% · 4.625%
HK$18,934
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,972/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,407
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,979
−HK$582/mo
Today · 4.125%
HK$19,561
baseline
▲ 0.50% · 4.625%
HK$20,751
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,122/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,477
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,026
−HK$557/mo
Today · 4.125%
HK$21,583
baseline
▲ 0.50% · 4.625%
HK$22,721
+HK$1,138/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,166/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,474
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,142
−HK$679/mo
Today · 4.125%
HK$22,821
baseline
▲ 0.50% · 4.625%
HK$24,210
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,642/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,890
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,531
−HK$650/mo
Today · 4.125%
HK$25,181
baseline
▲ 0.50% · 4.625%
HK$26,508
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,362/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,610
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,469
−HK$872/mo
Today · 4.125%
HK$29,341
baseline
▲ 0.50% · 4.625%
HK$31,127
+HK$1,786/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$58,682/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,716
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,539
−HK$836/mo
Today · 4.125%
HK$32,375
baseline
▲ 0.50% · 4.625%
HK$34,082
+HK$1,707/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$64,750/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,804 · 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).