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$15,456
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,936
−HK$489/mo
Today · 4.125%
HK$16,425
baseline
▲ 0.50% · 4.625%
HK$17,424
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,850/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,194
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,655
−HK$468/mo
Today · 4.125%
HK$18,123
baseline
▲ 0.50% · 4.625%
HK$19,079
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,246/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,547
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,124
−HK$586/mo
Today · 4.125%
HK$19,710
baseline
▲ 0.50% · 4.625%
HK$20,909
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,420/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,633
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,187
−HK$561/mo
Today · 4.125%
HK$21,748
baseline
▲ 0.50% · 4.625%
HK$22,894
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,496/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,638
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,311
−HK$684/mo
Today · 4.125%
HK$22,995
baseline
▲ 0.50% · 4.625%
HK$24,394
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,990/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,072
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,718
−HK$655/mo
Today · 4.125%
HK$25,373
baseline
▲ 0.50% · 4.625%
HK$26,710
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,746/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,820
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,686
−HK$879/mo
Today · 4.125%
HK$29,565
baseline
▲ 0.50% · 4.625%
HK$31,364
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,130/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,950
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,780
−HK$842/mo
Today · 4.125%
HK$32,622
baseline
▲ 0.50% · 4.625%
HK$34,341
+HK$1,719/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,244/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,342 · 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).