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$15,440
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,920
−HK$488/mo
Today · 4.125%
HK$16,408
baseline
▲ 0.50% · 4.625%
HK$17,407
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,816/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,177
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,637
−HK$468/mo
Today · 4.125%
HK$18,105
baseline
▲ 0.50% · 4.625%
HK$19,059
+HK$954/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,210/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,528
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,104
−HK$586/mo
Today · 4.125%
HK$19,690
baseline
▲ 0.50% · 4.625%
HK$20,888
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,380/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,612
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,165
−HK$561/mo
Today · 4.125%
HK$21,726
baseline
▲ 0.50% · 4.625%
HK$22,871
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,452/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,616
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,288
−HK$683/mo
Today · 4.125%
HK$22,971
baseline
▲ 0.50% · 4.625%
HK$24,369
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,942/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,047
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,692
−HK$655/mo
Today · 4.125%
HK$25,347
baseline
▲ 0.50% · 4.625%
HK$26,683
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,694/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,792
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,656
−HK$879/mo
Today · 4.125%
HK$29,535
baseline
▲ 0.50% · 4.625%
HK$31,332
+HK$1,797/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,070/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,918
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,747
−HK$842/mo
Today · 4.125%
HK$32,589
baseline
▲ 0.50% · 4.625%
HK$34,306
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,178/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,134 · 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).