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$15,335
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,812
−HK$484/mo
Today · 4.125%
HK$16,296
baseline
▲ 0.50% · 4.625%
HK$17,288
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,592/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,060
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,517
−HK$464/mo
Today · 4.125%
HK$17,981
baseline
▲ 0.50% · 4.625%
HK$18,929
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,962/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,402
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,974
−HK$581/mo
Today · 4.125%
HK$19,555
baseline
▲ 0.50% · 4.625%
HK$20,745
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,110/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,472
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,021
−HK$557/mo
Today · 4.125%
HK$21,578
baseline
▲ 0.50% · 4.625%
HK$22,715
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,156/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,468
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,136
−HK$679/mo
Today · 4.125%
HK$22,815
baseline
▲ 0.50% · 4.625%
HK$24,203
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,630/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,883
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,524
−HK$650/mo
Today · 4.125%
HK$25,174
baseline
▲ 0.50% · 4.625%
HK$26,501
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,348/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,602
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,461
−HK$872/mo
Today · 4.125%
HK$29,333
baseline
▲ 0.50% · 4.625%
HK$31,118
+HK$1,785/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,666/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,707
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,531
−HK$835/mo
Today · 4.125%
HK$32,366
baseline
▲ 0.50% · 4.625%
HK$34,072
+HK$1,706/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,732/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,749 · 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).