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$15,312
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,788
−HK$484/mo
Today · 4.125%
HK$16,272
baseline
▲ 0.50% · 4.625%
HK$17,262
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,544/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,034
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,491
−HK$463/mo
Today · 4.125%
HK$17,954
baseline
▲ 0.50% · 4.625%
HK$18,901
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,908/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,374
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,946
−HK$580/mo
Today · 4.125%
HK$19,526
baseline
▲ 0.50% · 4.625%
HK$20,714
+HK$1,188/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,052/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,441
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,989
−HK$556/mo
Today · 4.125%
HK$21,545
baseline
▲ 0.50% · 4.625%
HK$22,681
+HK$1,136/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,090/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,436
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,103
−HK$678/mo
Today · 4.125%
HK$22,781
baseline
▲ 0.50% · 4.625%
HK$24,167
+HK$1,386/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,562/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,848
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,487
−HK$649/mo
Today · 4.125%
HK$25,136
baseline
▲ 0.50% · 4.625%
HK$26,461
+HK$1,325/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,272/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,561
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,418
−HK$871/mo
Today · 4.125%
HK$29,289
baseline
▲ 0.50% · 4.625%
HK$31,072
+HK$1,783/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,578/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,662
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,484
−HK$834/mo
Today · 4.125%
HK$32,318
baseline
▲ 0.50% · 4.625%
HK$34,022
+HK$1,704/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,636/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,448 · 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).