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$15,324
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,801
−HK$484/mo
Today · 4.125%
HK$16,285
baseline
▲ 0.50% · 4.625%
HK$17,276
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,570/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,048
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,505
−HK$464/mo
Today · 4.125%
HK$17,969
baseline
▲ 0.50% · 4.625%
HK$18,916
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,938/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,389
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,961
−HK$581/mo
Today · 4.125%
HK$19,542
baseline
▲ 0.50% · 4.625%
HK$20,731
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,084/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,458
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,006
−HK$557/mo
Today · 4.125%
HK$21,563
baseline
▲ 0.50% · 4.625%
HK$22,700
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,126/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,454
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,121
−HK$678/mo
Today · 4.125%
HK$22,799
baseline
▲ 0.50% · 4.625%
HK$24,187
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,598/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,867
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,508
−HK$649/mo
Today · 4.125%
HK$25,157
baseline
▲ 0.50% · 4.625%
HK$26,483
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,314/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,584
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,442
−HK$872/mo
Today · 4.125%
HK$29,314
baseline
▲ 0.50% · 4.625%
HK$31,097
+HK$1,783/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,628/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,687
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,510
−HK$835/mo
Today · 4.125%
HK$32,345
baseline
▲ 0.50% · 4.625%
HK$34,049
+HK$1,704/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,690/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,613 · 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).