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$15,333
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,809
−HK$485/mo
Today · 4.125%
HK$16,294
baseline
▲ 0.50% · 4.625%
HK$17,285
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,588/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,057
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,515
−HK$464/mo
Today · 4.125%
HK$17,979
baseline
▲ 0.50% · 4.625%
HK$18,927
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,958/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,399
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,971
−HK$582/mo
Today · 4.125%
HK$19,553
baseline
▲ 0.50% · 4.625%
HK$20,743
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,106/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,469
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,018
−HK$557/mo
Today · 4.125%
HK$21,575
baseline
▲ 0.50% · 4.625%
HK$22,712
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,150/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,466
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,133
−HK$679/mo
Today · 4.125%
HK$22,812
baseline
▲ 0.50% · 4.625%
HK$24,200
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,624/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,880
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,521
−HK$649/mo
Today · 4.125%
HK$25,170
baseline
▲ 0.50% · 4.625%
HK$26,497
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,340/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,599
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,457
−HK$872/mo
Today · 4.125%
HK$29,329
baseline
▲ 0.50% · 4.625%
HK$31,114
+HK$1,785/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,658/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,703
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,527
−HK$835/mo
Today · 4.125%
HK$32,362
baseline
▲ 0.50% · 4.625%
HK$34,068
+HK$1,706/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,724/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,722 · 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).