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$15,341
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,818
−HK$485/mo
Today · 4.125%
HK$16,303
baseline
▲ 0.50% · 4.625%
HK$17,295
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,606/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,067
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,524
−HK$465/mo
Today · 4.125%
HK$17,989
baseline
▲ 0.50% · 4.625%
HK$18,937
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,978/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,409
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,982
−HK$582/mo
Today · 4.125%
HK$19,564
baseline
▲ 0.50% · 4.625%
HK$20,754
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,128/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,480
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,029
−HK$558/mo
Today · 4.125%
HK$21,587
baseline
▲ 0.50% · 4.625%
HK$22,724
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,174/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,477
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,145
−HK$679/mo
Today · 4.125%
HK$22,824
baseline
▲ 0.50% · 4.625%
HK$24,213
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,648/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,893
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,534
−HK$650/mo
Today · 4.125%
HK$25,184
baseline
▲ 0.50% · 4.625%
HK$26,512
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,368/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,614
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,473
−HK$872/mo
Today · 4.125%
HK$29,345
baseline
▲ 0.50% · 4.625%
HK$31,131
+HK$1,786/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$58,690/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,720
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,544
−HK$836/mo
Today · 4.125%
HK$32,380
baseline
▲ 0.50% · 4.625%
HK$34,087
+HK$1,707/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$64,760/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,833 · 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).