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$15,315
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,791
−HK$484/mo
Today · 4.125%
HK$16,275
baseline
▲ 0.50% · 4.625%
HK$17,266
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,550/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,038
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,495
−HK$463/mo
Today · 4.125%
HK$17,958
baseline
▲ 0.50% · 4.625%
HK$18,905
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,916/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,378
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,950
−HK$580/mo
Today · 4.125%
HK$19,530
baseline
▲ 0.50% · 4.625%
HK$20,719
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,060/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,445
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,994
−HK$556/mo
Today · 4.125%
HK$21,550
baseline
▲ 0.50% · 4.625%
HK$22,686
+HK$1,136/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,100/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,441
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,108
−HK$677/mo
Today · 4.125%
HK$22,785
baseline
▲ 0.50% · 4.625%
HK$24,172
+HK$1,387/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,570/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,853
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,493
−HK$648/mo
Today · 4.125%
HK$25,141
baseline
▲ 0.50% · 4.625%
HK$26,467
+HK$1,326/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,282/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,567
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,424
−HK$872/mo
Today · 4.125%
HK$29,296
baseline
▲ 0.50% · 4.625%
HK$31,078
+HK$1,782/mo
Deposit HK$672K · loan HK$6.04M · min. income ≈ HK$58,592/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,668
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,490
−HK$835/mo
Today · 4.125%
HK$32,325
baseline
▲ 0.50% · 4.625%
HK$34,029
+HK$1,704/mo
Deposit HK$672K · loan HK$6.04M · min. income ≈ HK$64,650/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,490 · 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).