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$15,303
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,779
−HK$484/mo
Today · 4.125%
HK$16,263
baseline
▲ 0.50% · 4.625%
HK$17,252
+HK$989/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,526/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,024
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,481
−HK$463/mo
Today · 4.125%
HK$17,944
baseline
▲ 0.50% · 4.625%
HK$18,890
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,888/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,363
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,935
−HK$580/mo
Today · 4.125%
HK$19,515
baseline
▲ 0.50% · 4.625%
HK$20,702
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,030/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,429
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,977
−HK$556/mo
Today · 4.125%
HK$21,533
baseline
▲ 0.50% · 4.625%
HK$22,668
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,066/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,424
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,090
−HK$678/mo
Today · 4.125%
HK$22,768
baseline
▲ 0.50% · 4.625%
HK$24,153
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,536/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,834
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,473
−HK$649/mo
Today · 4.125%
HK$25,122
baseline
▲ 0.50% · 4.625%
HK$26,446
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,244/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,545
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,402
−HK$871/mo
Today · 4.125%
HK$29,273
baseline
▲ 0.50% · 4.625%
HK$31,054
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,546/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,644
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,466
−HK$833/mo
Today · 4.125%
HK$32,299
baseline
▲ 0.50% · 4.625%
HK$34,002
+HK$1,703/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,598/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,332 · 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).