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$15,340
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,817
−HK$485/mo
Today · 4.125%
HK$16,302
baseline
▲ 0.50% · 4.625%
HK$17,294
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,604/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,066
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,524
−HK$464/mo
Today · 4.125%
HK$17,988
baseline
▲ 0.50% · 4.625%
HK$18,936
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,976/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,408
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,981
−HK$582/mo
Today · 4.125%
HK$19,563
baseline
▲ 0.50% · 4.625%
HK$20,753
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,126/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,479
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,028
−HK$558/mo
Today · 4.125%
HK$21,586
baseline
▲ 0.50% · 4.625%
HK$22,723
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,172/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,476
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,144
−HK$679/mo
Today · 4.125%
HK$22,823
baseline
▲ 0.50% · 4.625%
HK$24,212
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,646/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,892
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,533
−HK$650/mo
Today · 4.125%
HK$25,183
baseline
▲ 0.50% · 4.625%
HK$26,511
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,366/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,613
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,471
−HK$873/mo
Today · 4.125%
HK$29,344
baseline
▲ 0.50% · 4.625%
HK$31,130
+HK$1,786/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$58,688/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,719
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,543
−HK$835/mo
Today · 4.125%
HK$32,378
baseline
▲ 0.50% · 4.625%
HK$34,085
+HK$1,707/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$64,756/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,824 · 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).