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$15,301
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,777
−HK$483/mo
Today · 4.125%
HK$16,260
baseline
▲ 0.50% · 4.625%
HK$17,250
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,520/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,022
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,478
−HK$464/mo
Today · 4.125%
HK$17,942
baseline
▲ 0.50% · 4.625%
HK$18,887
+HK$945/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,884/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,361
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,932
−HK$580/mo
Today · 4.125%
HK$19,512
baseline
▲ 0.50% · 4.625%
HK$20,700
+HK$1,188/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,024/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,426
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,974
−HK$556/mo
Today · 4.125%
HK$21,530
baseline
▲ 0.50% · 4.625%
HK$22,665
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,060/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,421
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,087
−HK$677/mo
Today · 4.125%
HK$22,764
baseline
▲ 0.50% · 4.625%
HK$24,149
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,528/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,831
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,470
−HK$648/mo
Today · 4.125%
HK$25,118
baseline
▲ 0.50% · 4.625%
HK$26,442
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,236/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,541
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,398
−HK$870/mo
Today · 4.125%
HK$29,268
baseline
▲ 0.50% · 4.625%
HK$31,049
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,536/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,639
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,461
−HK$834/mo
Today · 4.125%
HK$32,295
baseline
▲ 0.50% · 4.625%
HK$33,997
+HK$1,702/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,590/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,303 · 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).