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$15,450
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,931
−HK$488/mo
Today · 4.125%
HK$16,419
baseline
▲ 0.50% · 4.625%
HK$17,418
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,838/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,188
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,649
−HK$468/mo
Today · 4.125%
HK$18,117
baseline
▲ 0.50% · 4.625%
HK$19,072
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,234/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,540
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,117
−HK$586/mo
Today · 4.125%
HK$19,703
baseline
▲ 0.50% · 4.625%
HK$20,902
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,406/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,626
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,179
−HK$561/mo
Today · 4.125%
HK$21,740
baseline
▲ 0.50% · 4.625%
HK$22,886
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,480/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,630
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,303
−HK$683/mo
Today · 4.125%
HK$22,986
baseline
▲ 0.50% · 4.625%
HK$24,385
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,972/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,063
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,709
−HK$654/mo
Today · 4.125%
HK$25,363
baseline
▲ 0.50% · 4.625%
HK$26,700
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,726/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,810
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,675
−HK$879/mo
Today · 4.125%
HK$29,554
baseline
▲ 0.50% · 4.625%
HK$31,352
+HK$1,798/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,108/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,938
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,768
−HK$842/mo
Today · 4.125%
HK$32,610
baseline
▲ 0.50% · 4.625%
HK$34,329
+HK$1,719/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,220/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,268 · 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).