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$15,442
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,923
−HK$488/mo
Today · 4.125%
HK$16,411
baseline
▲ 0.50% · 4.625%
HK$17,409
+HK$998/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,822/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,180
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,640
−HK$468/mo
Today · 4.125%
HK$18,108
baseline
▲ 0.50% · 4.625%
HK$19,062
+HK$954/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,216/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,531
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,107
−HK$586/mo
Today · 4.125%
HK$19,693
baseline
▲ 0.50% · 4.625%
HK$20,891
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,386/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,615
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,168
−HK$561/mo
Today · 4.125%
HK$21,729
baseline
▲ 0.50% · 4.625%
HK$22,875
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,458/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,619
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,292
−HK$683/mo
Today · 4.125%
HK$22,975
baseline
▲ 0.50% · 4.625%
HK$24,373
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,950/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,051
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,696
−HK$655/mo
Today · 4.125%
HK$25,351
baseline
▲ 0.50% · 4.625%
HK$26,687
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,702/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,796
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,661
−HK$878/mo
Today · 4.125%
HK$29,539
baseline
▲ 0.50% · 4.625%
HK$31,337
+HK$1,798/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,078/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,923
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,752
−HK$842/mo
Today · 4.125%
HK$32,594
baseline
▲ 0.50% · 4.625%
HK$34,312
+HK$1,718/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,188/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,167 · 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).