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$15,315
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,791
−HK$484/mo
Today · 4.125%
HK$16,275
baseline
▲ 0.50% · 4.625%
HK$17,265
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,550/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,037
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,494
−HK$464/mo
Today · 4.125%
HK$17,958
baseline
▲ 0.50% · 4.625%
HK$18,904
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,916/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,377
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,949
−HK$581/mo
Today · 4.125%
HK$19,530
baseline
▲ 0.50% · 4.625%
HK$20,718
+HK$1,188/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,060/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,445
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,993
−HK$556/mo
Today · 4.125%
HK$21,549
baseline
▲ 0.50% · 4.625%
HK$22,685
+HK$1,136/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,098/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,440
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,107
−HK$678/mo
Today · 4.125%
HK$22,785
baseline
▲ 0.50% · 4.625%
HK$24,171
+HK$1,386/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,570/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,852
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,492
−HK$649/mo
Today · 4.125%
HK$25,141
baseline
▲ 0.50% · 4.625%
HK$26,466
+HK$1,325/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,282/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,566
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,424
−HK$871/mo
Today · 4.125%
HK$29,295
baseline
▲ 0.50% · 4.625%
HK$31,077
+HK$1,782/mo
Deposit HK$672K · loan HK$6.04M · min. income ≈ HK$58,590/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,667
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,490
−HK$834/mo
Today · 4.125%
HK$32,324
baseline
▲ 0.50% · 4.625%
HK$34,028
+HK$1,704/mo
Deposit HK$672K · loan HK$6.04M · min. income ≈ HK$64,648/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,485 · 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).