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$15,331
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,808
−HK$485/mo
Today · 4.125%
HK$16,293
baseline
▲ 0.50% · 4.625%
HK$17,284
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,586/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,056
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,513
−HK$464/mo
Today · 4.125%
HK$17,977
baseline
▲ 0.50% · 4.625%
HK$18,925
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,954/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,398
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,970
−HK$581/mo
Today · 4.125%
HK$19,551
baseline
▲ 0.50% · 4.625%
HK$20,741
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,102/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,467
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,016
−HK$557/mo
Today · 4.125%
HK$21,573
baseline
▲ 0.50% · 4.625%
HK$22,710
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,146/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,464
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,131
−HK$679/mo
Today · 4.125%
HK$22,810
baseline
▲ 0.50% · 4.625%
HK$24,198
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,620/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,878
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,519
−HK$649/mo
Today · 4.125%
HK$25,168
baseline
▲ 0.50% · 4.625%
HK$26,495
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,336/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,596
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,455
−HK$872/mo
Today · 4.125%
HK$29,327
baseline
▲ 0.50% · 4.625%
HK$31,111
+HK$1,784/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,654/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,701
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,524
−HK$835/mo
Today · 4.125%
HK$32,359
baseline
▲ 0.50% · 4.625%
HK$34,065
+HK$1,706/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,718/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,705 · 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).