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$15,453
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,934
−HK$488/mo
Today · 4.125%
HK$16,422
baseline
▲ 0.50% · 4.625%
HK$17,421
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,844/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,191
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,652
−HK$468/mo
Today · 4.125%
HK$18,120
baseline
▲ 0.50% · 4.625%
HK$19,075
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,240/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,544
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,120
−HK$586/mo
Today · 4.125%
HK$19,706
baseline
▲ 0.50% · 4.625%
HK$20,905
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,412/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,629
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,183
−HK$561/mo
Today · 4.125%
HK$21,744
baseline
▲ 0.50% · 4.625%
HK$22,890
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,488/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,634
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,307
−HK$684/mo
Today · 4.125%
HK$22,991
baseline
▲ 0.50% · 4.625%
HK$24,390
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,982/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,068
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,713
−HK$655/mo
Today · 4.125%
HK$25,368
baseline
▲ 0.50% · 4.625%
HK$26,705
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,736/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,815
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,680
−HK$880/mo
Today · 4.125%
HK$29,560
baseline
▲ 0.50% · 4.625%
HK$31,358
+HK$1,798/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,120/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,944
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,774
−HK$842/mo
Today · 4.125%
HK$32,616
baseline
▲ 0.50% · 4.625%
HK$34,335
+HK$1,719/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,232/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,306 · 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).