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$15,334
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,811
−HK$485/mo
Today · 4.125%
HK$16,296
baseline
▲ 0.50% · 4.625%
HK$17,287
+HK$991/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$201,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,059
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,516
−HK$465/mo
Today · 4.125%
HK$17,981
baseline
▲ 0.50% · 4.625%
HK$18,928
+HK$947/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$201,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,401
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,973
−HK$582/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$201,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,471
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,020
−HK$557/mo
Today · 4.125%
HK$21,577
baseline
▲ 0.50% · 4.625%
HK$22,714
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,154/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,468
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,135
−HK$679/mo
Today · 4.125%
HK$22,814
baseline
▲ 0.50% · 4.625%
HK$24,202
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,628/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,883
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,523
−HK$650/mo
Today · 4.125%
HK$25,173
baseline
▲ 0.50% · 4.625%
HK$26,500
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,346/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,601
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,460
−HK$872/mo
Today · 4.125%
HK$29,332
baseline
▲ 0.50% · 4.625%
HK$31,117
+HK$1,785/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,664/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,706
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,530
−HK$835/mo
Today · 4.125%
HK$32,365
baseline
▲ 0.50% · 4.625%
HK$34,071
+HK$1,706/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,730/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,742 · 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).