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$15,323
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,799
−HK$484/mo
Today · 4.125%
HK$16,283
baseline
▲ 0.50% · 4.625%
HK$17,274
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,566/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,046
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,503
−HK$464/mo
Today · 4.125%
HK$17,967
baseline
▲ 0.50% · 4.625%
HK$18,914
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,934/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,387
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,959
−HK$581/mo
Today · 4.125%
HK$19,540
baseline
▲ 0.50% · 4.625%
HK$20,729
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,080/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,455
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,004
−HK$556/mo
Today · 4.125%
HK$21,560
baseline
▲ 0.50% · 4.625%
HK$22,697
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,120/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,452
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,119
−HK$678/mo
Today · 4.125%
HK$22,797
baseline
▲ 0.50% · 4.625%
HK$24,184
+HK$1,387/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,594/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,865
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,505
−HK$649/mo
Today · 4.125%
HK$25,154
baseline
▲ 0.50% · 4.625%
HK$26,480
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,308/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,581
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,438
−HK$872/mo
Today · 4.125%
HK$29,310
baseline
▲ 0.50% · 4.625%
HK$31,093
+HK$1,783/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,620/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,683
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,506
−HK$835/mo
Today · 4.125%
HK$32,341
baseline
▲ 0.50% · 4.625%
HK$34,045
+HK$1,704/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,682/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,590 · 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).