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$15,316
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,792
−HK$484/mo
Today · 4.125%
HK$16,276
baseline
▲ 0.50% · 4.625%
HK$17,267
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,552/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,039
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,496
−HK$463/mo
Today · 4.125%
HK$17,959
baseline
▲ 0.50% · 4.625%
HK$18,906
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,918/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,379
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,951
−HK$581/mo
Today · 4.125%
HK$19,532
baseline
▲ 0.50% · 4.625%
HK$20,720
+HK$1,188/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,064/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,447
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,995
−HK$556/mo
Today · 4.125%
HK$21,551
baseline
▲ 0.50% · 4.625%
HK$22,687
+HK$1,136/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,102/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,442
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,109
−HK$678/mo
Today · 4.125%
HK$22,787
baseline
▲ 0.50% · 4.625%
HK$24,174
+HK$1,387/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,574/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,854
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,494
−HK$649/mo
Today · 4.125%
HK$25,143
baseline
▲ 0.50% · 4.625%
HK$26,469
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,286/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,569
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,426
−HK$872/mo
Today · 4.125%
HK$29,298
baseline
▲ 0.50% · 4.625%
HK$31,080
+HK$1,782/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,596/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,670
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,493
−HK$834/mo
Today · 4.125%
HK$32,327
baseline
▲ 0.50% · 4.625%
HK$34,031
+HK$1,704/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,654/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,504 · 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).