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$15,343
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,821
−HK$484/mo
Today · 4.125%
HK$16,305
baseline
▲ 0.50% · 4.625%
HK$17,298
+HK$993/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,610/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,069
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,527
−HK$464/mo
Today · 4.125%
HK$17,991
baseline
▲ 0.50% · 4.625%
HK$18,940
+HK$949/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,982/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,412
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,985
−HK$582/mo
Today · 4.125%
HK$19,567
baseline
▲ 0.50% · 4.625%
HK$20,757
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,134/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,483
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,032
−HK$558/mo
Today · 4.125%
HK$21,590
baseline
▲ 0.50% · 4.625%
HK$22,728
+HK$1,138/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,180/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,481
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,149
−HK$679/mo
Today · 4.125%
HK$22,828
baseline
▲ 0.50% · 4.625%
HK$24,217
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,656/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,897
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,538
−HK$650/mo
Today · 4.125%
HK$25,188
baseline
▲ 0.50% · 4.625%
HK$26,516
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,376/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,618
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,477
−HK$873/mo
Today · 4.125%
HK$29,350
baseline
▲ 0.50% · 4.625%
HK$31,136
+HK$1,786/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,700/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,725
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,549
−HK$836/mo
Today · 4.125%
HK$32,385
baseline
▲ 0.50% · 4.625%
HK$34,092
+HK$1,707/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,770/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,864 · 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).