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$15,455
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,936
−HK$488/mo
Today · 4.125%
HK$16,424
baseline
▲ 0.50% · 4.625%
HK$17,423
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,848/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,193
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,655
−HK$467/mo
Today · 4.125%
HK$18,122
baseline
▲ 0.50% · 4.625%
HK$19,078
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,244/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,546
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,123
−HK$586/mo
Today · 4.125%
HK$19,709
baseline
▲ 0.50% · 4.625%
HK$20,908
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,418/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,632
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,185
−HK$562/mo
Today · 4.125%
HK$21,747
baseline
▲ 0.50% · 4.625%
HK$22,893
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,494/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,637
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,310
−HK$684/mo
Today · 4.125%
HK$22,994
baseline
▲ 0.50% · 4.625%
HK$24,393
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,988/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,071
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,716
−HK$655/mo
Today · 4.125%
HK$25,371
baseline
▲ 0.50% · 4.625%
HK$26,709
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,742/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,819
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,684
−HK$879/mo
Today · 4.125%
HK$29,563
baseline
▲ 0.50% · 4.625%
HK$31,362
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,126/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,948
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,778
−HK$842/mo
Today · 4.125%
HK$32,620
baseline
▲ 0.50% · 4.625%
HK$34,340
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,240/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,331 · 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).