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$15,301
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,777
−HK$484/mo
Today · 4.125%
HK$16,261
baseline
▲ 0.50% · 4.625%
HK$17,250
+HK$989/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,522/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,023
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,479
−HK$463/mo
Today · 4.125%
HK$17,942
baseline
▲ 0.50% · 4.625%
HK$18,888
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,884/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,362
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,933
−HK$580/mo
Today · 4.125%
HK$19,513
baseline
▲ 0.50% · 4.625%
HK$20,701
+HK$1,188/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,026/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,427
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,975
−HK$556/mo
Today · 4.125%
HK$21,531
baseline
▲ 0.50% · 4.625%
HK$22,666
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,062/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,422
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,088
−HK$677/mo
Today · 4.125%
HK$22,765
baseline
▲ 0.50% · 4.625%
HK$24,151
+HK$1,386/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,530/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,832
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,471
−HK$648/mo
Today · 4.125%
HK$25,119
baseline
▲ 0.50% · 4.625%
HK$26,443
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,238/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,543
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,399
−HK$871/mo
Today · 4.125%
HK$29,270
baseline
▲ 0.50% · 4.625%
HK$31,051
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,540/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,641
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,463
−HK$833/mo
Today · 4.125%
HK$32,296
baseline
▲ 0.50% · 4.625%
HK$33,999
+HK$1,703/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,592/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,313 · 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).