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$15,305
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,781
−HK$484/mo
Today · 4.125%
HK$16,265
baseline
▲ 0.50% · 4.625%
HK$17,254
+HK$989/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,530/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,027
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,483
−HK$464/mo
Today · 4.125%
HK$17,947
baseline
▲ 0.50% · 4.625%
HK$18,893
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,894/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,366
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$581/mo
Today · 4.125%
HK$19,518
baseline
▲ 0.50% · 4.625%
HK$20,705
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,036/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,432
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,980
−HK$556/mo
Today · 4.125%
HK$21,536
baseline
▲ 0.50% · 4.625%
HK$22,671
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,072/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,427
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,094
−HK$677/mo
Today · 4.125%
HK$22,771
baseline
▲ 0.50% · 4.625%
HK$24,156
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,542/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,837
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,477
−HK$648/mo
Today · 4.125%
HK$25,125
baseline
▲ 0.50% · 4.625%
HK$26,450
+HK$1,325/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,250/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,549
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,406
−HK$871/mo
Today · 4.125%
HK$29,277
baseline
▲ 0.50% · 4.625%
HK$31,058
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,554/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,648
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,470
−HK$834/mo
Today · 4.125%
HK$32,304
baseline
▲ 0.50% · 4.625%
HK$34,007
+HK$1,703/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,608/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,360 · 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).