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$15,448
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,928
−HK$488/mo
Today · 4.125%
HK$16,416
baseline
▲ 0.50% · 4.625%
HK$17,415
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,832/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,186
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,646
−HK$468/mo
Today · 4.125%
HK$18,114
baseline
▲ 0.50% · 4.625%
HK$19,069
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,228/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,537
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,114
−HK$586/mo
Today · 4.125%
HK$19,700
baseline
▲ 0.50% · 4.625%
HK$20,898
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,400/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,623
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,176
−HK$561/mo
Today · 4.125%
HK$21,737
baseline
▲ 0.50% · 4.625%
HK$22,883
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,474/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,627
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,300
−HK$683/mo
Today · 4.125%
HK$22,983
baseline
▲ 0.50% · 4.625%
HK$24,382
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,966/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,060
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,705
−HK$655/mo
Today · 4.125%
HK$25,360
baseline
▲ 0.50% · 4.625%
HK$26,696
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,720/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,806
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,671
−HK$879/mo
Today · 4.125%
HK$29,550
baseline
▲ 0.50% · 4.625%
HK$31,348
+HK$1,798/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$59,100/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,934
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,764
−HK$841/mo
Today · 4.125%
HK$32,605
baseline
▲ 0.50% · 4.625%
HK$34,324
+HK$1,719/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$65,210/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,238 · 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).