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$15,437
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,917
−HK$488/mo
Today · 4.125%
HK$16,405
baseline
▲ 0.50% · 4.625%
HK$17,403
+HK$998/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,810/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,174
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,634
−HK$468/mo
Today · 4.125%
HK$18,102
baseline
▲ 0.50% · 4.625%
HK$19,056
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,204/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,525
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,101
−HK$585/mo
Today · 4.125%
HK$19,686
baseline
▲ 0.50% · 4.625%
HK$20,884
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,372/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,608
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,161
−HK$561/mo
Today · 4.125%
HK$21,722
baseline
▲ 0.50% · 4.625%
HK$22,867
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,444/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,612
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,284
−HK$683/mo
Today · 4.125%
HK$22,967
baseline
▲ 0.50% · 4.625%
HK$24,365
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,934/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,043
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,688
−HK$654/mo
Today · 4.125%
HK$25,342
baseline
▲ 0.50% · 4.625%
HK$26,678
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,684/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,787
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,651
−HK$878/mo
Today · 4.125%
HK$29,529
baseline
▲ 0.50% · 4.625%
HK$31,326
+HK$1,797/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,058/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,913
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,742
−HK$841/mo
Today · 4.125%
HK$32,583
baseline
▲ 0.50% · 4.625%
HK$34,300
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,166/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,098 · 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).