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$15,328
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,804
−HK$485/mo
Today · 4.125%
HK$16,289
baseline
▲ 0.50% · 4.625%
HK$17,280
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,578/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,052
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,509
−HK$464/mo
Today · 4.125%
HK$17,973
baseline
▲ 0.50% · 4.625%
HK$18,920
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,946/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,393
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,965
−HK$581/mo
Today · 4.125%
HK$19,546
baseline
▲ 0.50% · 4.625%
HK$20,736
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,092/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,462
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,011
−HK$557/mo
Today · 4.125%
HK$21,568
baseline
▲ 0.50% · 4.625%
HK$22,704
+HK$1,136/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,136/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,459
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,126
−HK$678/mo
Today · 4.125%
HK$22,804
baseline
▲ 0.50% · 4.625%
HK$24,192
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,608/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,872
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,513
−HK$649/mo
Today · 4.125%
HK$25,162
baseline
▲ 0.50% · 4.625%
HK$26,488
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,324/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,590
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,448
−HK$872/mo
Today · 4.125%
HK$29,320
baseline
▲ 0.50% · 4.625%
HK$31,104
+HK$1,784/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,640/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,693
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,516
−HK$835/mo
Today · 4.125%
HK$32,351
baseline
▲ 0.50% · 4.625%
HK$34,057
+HK$1,706/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,702/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,656 · 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).