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$15,337
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,814
−HK$485/mo
Today · 4.125%
HK$16,299
baseline
▲ 0.50% · 4.625%
HK$17,291
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,598/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,062
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,520
−HK$464/mo
Today · 4.125%
HK$17,984
baseline
▲ 0.50% · 4.625%
HK$18,932
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,968/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,405
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,977
−HK$582/mo
Today · 4.125%
HK$19,559
baseline
▲ 0.50% · 4.625%
HK$20,749
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,118/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,475
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,024
−HK$557/mo
Today · 4.125%
HK$21,581
baseline
▲ 0.50% · 4.625%
HK$22,719
+HK$1,138/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,162/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,472
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,140
−HK$678/mo
Today · 4.125%
HK$22,818
baseline
▲ 0.50% · 4.625%
HK$24,207
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,636/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,887
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,528
−HK$650/mo
Today · 4.125%
HK$25,178
baseline
▲ 0.50% · 4.625%
HK$26,505
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,356/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,607
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,466
−HK$872/mo
Today · 4.125%
HK$29,338
baseline
▲ 0.50% · 4.625%
HK$31,123
+HK$1,785/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$58,676/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,712
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,536
−HK$836/mo
Today · 4.125%
HK$32,372
baseline
▲ 0.50% · 4.625%
HK$34,078
+HK$1,706/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$64,744/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,782 · 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).