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$15,327
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,803
−HK$485/mo
Today · 4.125%
HK$16,288
baseline
▲ 0.50% · 4.625%
HK$17,279
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,576/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,051
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,508
−HK$464/mo
Today · 4.125%
HK$17,972
baseline
▲ 0.50% · 4.625%
HK$18,919
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,944/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,392
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,964
−HK$581/mo
Today · 4.125%
HK$19,545
baseline
▲ 0.50% · 4.625%
HK$20,735
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,090/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,461
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,010
−HK$556/mo
Today · 4.125%
HK$21,566
baseline
▲ 0.50% · 4.625%
HK$22,703
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,132/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,457
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,125
−HK$678/mo
Today · 4.125%
HK$22,803
baseline
▲ 0.50% · 4.625%
HK$24,191
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,606/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,871
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,511
−HK$650/mo
Today · 4.125%
HK$25,161
baseline
▲ 0.50% · 4.625%
HK$26,487
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,322/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,588
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,446
−HK$872/mo
Today · 4.125%
HK$29,318
baseline
▲ 0.50% · 4.625%
HK$31,102
+HK$1,784/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,636/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,692
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,515
−HK$835/mo
Today · 4.125%
HK$32,350
baseline
▲ 0.50% · 4.625%
HK$34,055
+HK$1,705/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,700/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,645 · 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).