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$15,459
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,940
−HK$489/mo
Today · 4.125%
HK$16,429
baseline
▲ 0.50% · 4.625%
HK$17,428
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,858/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,198
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,659
−HK$468/mo
Today · 4.125%
HK$18,127
baseline
▲ 0.50% · 4.625%
HK$19,083
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,254/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,551
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,128
−HK$586/mo
Today · 4.125%
HK$19,714
baseline
▲ 0.50% · 4.625%
HK$20,914
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,428/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,638
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,191
−HK$562/mo
Today · 4.125%
HK$21,753
baseline
▲ 0.50% · 4.625%
HK$22,899
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,506/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,643
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,316
−HK$684/mo
Today · 4.125%
HK$23,000
baseline
▲ 0.50% · 4.625%
HK$24,400
+HK$1,400/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$46,000/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,077
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,723
−HK$655/mo
Today · 4.125%
HK$25,378
baseline
▲ 0.50% · 4.625%
HK$26,716
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$50,756/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,827
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,692
−HK$880/mo
Today · 4.125%
HK$29,572
baseline
▲ 0.50% · 4.625%
HK$31,371
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,144/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,957
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,787
−HK$842/mo
Today · 4.125%
HK$32,629
baseline
▲ 0.50% · 4.625%
HK$34,349
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,258/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,388 · 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).