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$15,451
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,931
−HK$489/mo
Today · 4.125%
HK$16,420
baseline
▲ 0.50% · 4.625%
HK$17,419
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,840/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,189
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,650
−HK$468/mo
Today · 4.125%
HK$18,118
baseline
▲ 0.50% · 4.625%
HK$19,073
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,236/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,541
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,118
−HK$586/mo
Today · 4.125%
HK$19,704
baseline
▲ 0.50% · 4.625%
HK$20,903
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,408/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,627
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,180
−HK$561/mo
Today · 4.125%
HK$21,741
baseline
▲ 0.50% · 4.625%
HK$22,887
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,482/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,631
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,304
−HK$684/mo
Today · 4.125%
HK$22,988
baseline
▲ 0.50% · 4.625%
HK$24,386
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,976/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,064
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,710
−HK$655/mo
Today · 4.125%
HK$25,365
baseline
▲ 0.50% · 4.625%
HK$26,702
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,730/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,811
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,677
−HK$878/mo
Today · 4.125%
HK$29,555
baseline
▲ 0.50% · 4.625%
HK$31,354
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,110/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,940
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,770
−HK$842/mo
Today · 4.125%
HK$32,612
baseline
▲ 0.50% · 4.625%
HK$34,331
+HK$1,719/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,224/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,277 · 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).