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$15,306
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,782
−HK$484/mo
Today · 4.125%
HK$16,266
baseline
▲ 0.50% · 4.625%
HK$17,256
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,532/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,028
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,485
−HK$463/mo
Today · 4.125%
HK$17,948
baseline
▲ 0.50% · 4.625%
HK$18,894
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,896/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,368
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,939
−HK$580/mo
Today · 4.125%
HK$19,519
baseline
▲ 0.50% · 4.625%
HK$20,707
+HK$1,188/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,038/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,434
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,982
−HK$556/mo
Today · 4.125%
HK$21,538
baseline
▲ 0.50% · 4.625%
HK$22,673
+HK$1,135/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,076/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,429
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$678/mo
Today · 4.125%
HK$22,773
baseline
▲ 0.50% · 4.625%
HK$24,158
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,546/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,839
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,479
−HK$648/mo
Today · 4.125%
HK$25,127
baseline
▲ 0.50% · 4.625%
HK$26,452
+HK$1,325/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,254/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,551
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,408
−HK$871/mo
Today · 4.125%
HK$29,279
baseline
▲ 0.50% · 4.625%
HK$31,061
+HK$1,782/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,558/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,651
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,473
−HK$834/mo
Today · 4.125%
HK$32,307
baseline
▲ 0.50% · 4.625%
HK$34,009
+HK$1,702/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,614/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,376 · 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).