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$15,452
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,933
−HK$488/mo
Today · 4.125%
HK$16,421
baseline
▲ 0.50% · 4.625%
HK$17,420
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,842/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,190
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,651
−HK$468/mo
Today · 4.125%
HK$18,119
baseline
▲ 0.50% · 4.625%
HK$19,074
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,238/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,542
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,119
−HK$586/mo
Today · 4.125%
HK$19,705
baseline
▲ 0.50% · 4.625%
HK$20,904
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,410/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,628
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,181
−HK$562/mo
Today · 4.125%
HK$21,743
baseline
▲ 0.50% · 4.625%
HK$22,889
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,486/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,633
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,306
−HK$683/mo
Today · 4.125%
HK$22,989
baseline
▲ 0.50% · 4.625%
HK$24,388
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,978/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,066
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,712
−HK$654/mo
Today · 4.125%
HK$25,366
baseline
▲ 0.50% · 4.625%
HK$26,704
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,732/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,814
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,679
−HK$879/mo
Today · 4.125%
HK$29,558
baseline
▲ 0.50% · 4.625%
HK$31,356
+HK$1,798/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,116/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,942
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,772
−HK$842/mo
Today · 4.125%
HK$32,614
baseline
▲ 0.50% · 4.625%
HK$34,333
+HK$1,719/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,228/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,293 · 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).