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$15,345
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,822
−HK$485/mo
Today · 4.125%
HK$16,307
baseline
▲ 0.50% · 4.625%
HK$17,300
+HK$993/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,614/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,071
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,529
−HK$465/mo
Today · 4.125%
HK$17,994
baseline
▲ 0.50% · 4.625%
HK$18,942
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,988/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,414
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,987
−HK$582/mo
Today · 4.125%
HK$19,569
baseline
▲ 0.50% · 4.625%
HK$20,760
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,138/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,486
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,035
−HK$557/mo
Today · 4.125%
HK$21,592
baseline
▲ 0.50% · 4.625%
HK$22,731
+HK$1,139/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,184/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,483
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,151
−HK$679/mo
Today · 4.125%
HK$22,830
baseline
▲ 0.50% · 4.625%
HK$24,220
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,660/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,900
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,541
−HK$650/mo
Today · 4.125%
HK$25,191
baseline
▲ 0.50% · 4.625%
HK$26,519
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,382/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,621
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,480
−HK$873/mo
Today · 4.125%
HK$29,353
baseline
▲ 0.50% · 4.625%
HK$31,139
+HK$1,786/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,706/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,728
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,553
−HK$836/mo
Today · 4.125%
HK$32,389
baseline
▲ 0.50% · 4.625%
HK$34,096
+HK$1,707/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,778/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,888 · 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).