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$15,342
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,819
−HK$485/mo
Today · 4.125%
HK$16,304
baseline
▲ 0.50% · 4.625%
HK$17,296
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,608/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,068
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,525
−HK$465/mo
Today · 4.125%
HK$17,990
baseline
▲ 0.50% · 4.625%
HK$18,938
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,980/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,410
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,983
−HK$582/mo
Today · 4.125%
HK$19,565
baseline
▲ 0.50% · 4.625%
HK$20,755
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,130/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,481
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,031
−HK$557/mo
Today · 4.125%
HK$21,588
baseline
▲ 0.50% · 4.625%
HK$22,726
+HK$1,138/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,176/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,479
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,147
−HK$679/mo
Today · 4.125%
HK$22,826
baseline
▲ 0.50% · 4.625%
HK$24,214
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,652/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,895
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,536
−HK$650/mo
Today · 4.125%
HK$25,186
baseline
▲ 0.50% · 4.625%
HK$26,513
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,372/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,615
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,474
−HK$873/mo
Today · 4.125%
HK$29,347
baseline
▲ 0.50% · 4.625%
HK$31,133
+HK$1,786/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,694/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,722
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,546
−HK$836/mo
Today · 4.125%
HK$32,382
baseline
▲ 0.50% · 4.625%
HK$34,089
+HK$1,707/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,764/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,845 · 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).