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$15,438
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,918
−HK$488/mo
Today · 4.125%
HK$16,406
baseline
▲ 0.50% · 4.625%
HK$17,404
+HK$998/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,812/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,174
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,635
−HK$467/mo
Today · 4.125%
HK$18,102
baseline
▲ 0.50% · 4.625%
HK$19,056
+HK$954/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,204/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,525
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,102
−HK$585/mo
Today · 4.125%
HK$19,687
baseline
▲ 0.50% · 4.625%
HK$20,885
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,374/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,609
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,162
−HK$561/mo
Today · 4.125%
HK$21,723
baseline
▲ 0.50% · 4.625%
HK$22,868
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,446/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,613
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,285
−HK$683/mo
Today · 4.125%
HK$22,968
baseline
▲ 0.50% · 4.625%
HK$24,366
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,936/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,044
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,689
−HK$654/mo
Today · 4.125%
HK$25,343
baseline
▲ 0.50% · 4.625%
HK$26,679
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,686/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,788
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,652
−HK$879/mo
Today · 4.125%
HK$29,531
baseline
▲ 0.50% · 4.625%
HK$31,327
+HK$1,796/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,062/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,914
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,743
−HK$841/mo
Today · 4.125%
HK$32,584
baseline
▲ 0.50% · 4.625%
HK$34,302
+HK$1,718/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,168/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,107 · 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).