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$15,325
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,802
−HK$484/mo
Today · 4.125%
HK$16,286
baseline
▲ 0.50% · 4.625%
HK$17,277
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,572/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,049
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,506
−HK$464/mo
Today · 4.125%
HK$17,970
baseline
▲ 0.50% · 4.625%
HK$18,918
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,940/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,390
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,962
−HK$582/mo
Today · 4.125%
HK$19,544
baseline
▲ 0.50% · 4.625%
HK$20,733
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,088/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,459
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,008
−HK$556/mo
Today · 4.125%
HK$21,564
baseline
▲ 0.50% · 4.625%
HK$22,701
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,128/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,455
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$678/mo
Today · 4.125%
HK$22,801
baseline
▲ 0.50% · 4.625%
HK$24,188
+HK$1,387/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,602/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,869
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$649/mo
Today · 4.125%
HK$25,158
baseline
▲ 0.50% · 4.625%
HK$26,485
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,316/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,585
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,444
−HK$871/mo
Today · 4.125%
HK$29,315
baseline
▲ 0.50% · 4.625%
HK$31,099
+HK$1,784/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,630/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,689
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,512
−HK$835/mo
Today · 4.125%
HK$32,347
baseline
▲ 0.50% · 4.625%
HK$34,052
+HK$1,705/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,694/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,626 · 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).