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$15,338
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,815
−HK$485/mo
Today · 4.125%
HK$16,300
baseline
▲ 0.50% · 4.625%
HK$17,292
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,600/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,063
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,521
−HK$464/mo
Today · 4.125%
HK$17,985
baseline
▲ 0.50% · 4.625%
HK$18,933
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,970/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,406
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,978
−HK$582/mo
Today · 4.125%
HK$19,560
baseline
▲ 0.50% · 4.625%
HK$20,750
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,120/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,476
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,025
−HK$557/mo
Today · 4.125%
HK$21,582
baseline
▲ 0.50% · 4.625%
HK$22,720
+HK$1,138/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,164/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,473
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,141
−HK$679/mo
Today · 4.125%
HK$22,820
baseline
▲ 0.50% · 4.625%
HK$24,208
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,640/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,889
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,529
−HK$650/mo
Today · 4.125%
HK$25,179
baseline
▲ 0.50% · 4.625%
HK$26,507
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,358/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,608
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,467
−HK$873/mo
Today · 4.125%
HK$29,340
baseline
▲ 0.50% · 4.625%
HK$31,125
+HK$1,785/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$58,680/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,714
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,538
−HK$836/mo
Today · 4.125%
HK$32,374
baseline
▲ 0.50% · 4.625%
HK$34,080
+HK$1,706/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$64,748/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,794 · 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).