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$15,449
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,929
−HK$489/mo
Today · 4.125%
HK$16,418
baseline
▲ 0.50% · 4.625%
HK$17,417
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,836/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,187
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,648
−HK$467/mo
Today · 4.125%
HK$18,115
baseline
▲ 0.50% · 4.625%
HK$19,070
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,230/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,539
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,115
−HK$586/mo
Today · 4.125%
HK$19,701
baseline
▲ 0.50% · 4.625%
HK$20,900
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,402/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,624
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,177
−HK$561/mo
Today · 4.125%
HK$21,738
baseline
▲ 0.50% · 4.625%
HK$22,884
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,476/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,628
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,301
−HK$684/mo
Today · 4.125%
HK$22,985
baseline
▲ 0.50% · 4.625%
HK$24,383
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,970/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,061
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,707
−HK$654/mo
Today · 4.125%
HK$25,361
baseline
▲ 0.50% · 4.625%
HK$26,698
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,722/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,808
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,673
−HK$879/mo
Today · 4.125%
HK$29,552
baseline
▲ 0.50% · 4.625%
HK$31,350
+HK$1,798/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,104/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,936
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,766
−HK$842/mo
Today · 4.125%
HK$32,608
baseline
▲ 0.50% · 4.625%
HK$34,326
+HK$1,718/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,216/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,253 · 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).