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$15,313
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,790
−HK$484/mo
Today · 4.125%
HK$16,274
baseline
▲ 0.50% · 4.625%
HK$17,264
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,548/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,036
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,493
−HK$463/mo
Today · 4.125%
HK$17,956
baseline
▲ 0.50% · 4.625%
HK$18,903
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,912/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,376
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,948
−HK$580/mo
Today · 4.125%
HK$19,528
baseline
▲ 0.50% · 4.625%
HK$20,717
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,056/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,443
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,991
−HK$557/mo
Today · 4.125%
HK$21,548
baseline
▲ 0.50% · 4.625%
HK$22,683
+HK$1,135/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,096/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,439
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,106
−HK$677/mo
Today · 4.125%
HK$22,783
baseline
▲ 0.50% · 4.625%
HK$24,169
+HK$1,386/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,566/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,850
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,490
−HK$649/mo
Today · 4.125%
HK$25,139
baseline
▲ 0.50% · 4.625%
HK$26,464
+HK$1,325/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,278/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,564
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,422
−HK$871/mo
Today · 4.125%
HK$29,293
baseline
▲ 0.50% · 4.625%
HK$31,075
+HK$1,782/mo
Deposit HK$672K · loan HK$6.04M · min. income ≈ HK$58,586/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,665
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,487
−HK$835/mo
Today · 4.125%
HK$32,322
baseline
▲ 0.50% · 4.625%
HK$34,025
+HK$1,703/mo
Deposit HK$672K · loan HK$6.04M · min. income ≈ HK$64,644/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,470 · 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).