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$15,312
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,789
−HK$484/mo
Today · 4.125%
HK$16,273
baseline
▲ 0.50% · 4.625%
HK$17,263
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,546/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,035
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,492
−HK$463/mo
Today · 4.125%
HK$17,955
baseline
▲ 0.50% · 4.625%
HK$18,902
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,910/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,375
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,946
−HK$581/mo
Today · 4.125%
HK$19,527
baseline
▲ 0.50% · 4.625%
HK$20,715
+HK$1,188/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,054/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,442
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,990
−HK$556/mo
Today · 4.125%
HK$21,546
baseline
▲ 0.50% · 4.625%
HK$22,682
+HK$1,136/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,092/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,437
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,104
−HK$678/mo
Today · 4.125%
HK$22,782
baseline
▲ 0.50% · 4.625%
HK$24,168
+HK$1,386/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,564/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,849
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,488
−HK$649/mo
Today · 4.125%
HK$25,137
baseline
▲ 0.50% · 4.625%
HK$26,462
+HK$1,325/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,274/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,562
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,420
−HK$871/mo
Today · 4.125%
HK$29,291
baseline
▲ 0.50% · 4.625%
HK$31,073
+HK$1,782/mo
Deposit HK$672K · loan HK$6.04M · min. income ≈ HK$58,582/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,663
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,485
−HK$834/mo
Today · 4.125%
HK$32,319
baseline
▲ 0.50% · 4.625%
HK$34,023
+HK$1,704/mo
Deposit HK$672K · loan HK$6.04M · min. income ≈ HK$64,638/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,456 · 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).