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$15,306
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,782
−HK$484/mo
Today · 4.125%
HK$16,266
baseline
▲ 0.50% · 4.625%
HK$17,255
+HK$989/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,532/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,027
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,484
−HK$463/mo
Today · 4.125%
HK$17,947
baseline
▲ 0.50% · 4.625%
HK$18,893
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,894/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,367
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,938
−HK$581/mo
Today · 4.125%
HK$19,519
baseline
▲ 0.50% · 4.625%
HK$20,706
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,038/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,433
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,981
−HK$556/mo
Today · 4.125%
HK$21,537
baseline
▲ 0.50% · 4.625%
HK$22,672
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,074/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,428
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$677/mo
Today · 4.125%
HK$22,772
baseline
▲ 0.50% · 4.625%
HK$24,157
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,544/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,838
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,478
−HK$648/mo
Today · 4.125%
HK$25,126
baseline
▲ 0.50% · 4.625%
HK$26,451
+HK$1,325/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,252/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,550
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,407
−HK$871/mo
Today · 4.125%
HK$29,278
baseline
▲ 0.50% · 4.625%
HK$31,059
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,556/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,649
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,471
−HK$834/mo
Today · 4.125%
HK$32,305
baseline
▲ 0.50% · 4.625%
HK$34,008
+HK$1,703/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,610/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,369 · 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).