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$15,447
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,927
−HK$488/mo
Today · 4.125%
HK$16,415
baseline
▲ 0.50% · 4.625%
HK$17,414
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,830/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,184
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,645
−HK$468/mo
Today · 4.125%
HK$18,113
baseline
▲ 0.50% · 4.625%
HK$19,067
+HK$954/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,226/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,536
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,113
−HK$585/mo
Today · 4.125%
HK$19,698
baseline
▲ 0.50% · 4.625%
HK$20,897
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,396/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,621
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,174
−HK$561/mo
Today · 4.125%
HK$21,735
baseline
▲ 0.50% · 4.625%
HK$22,881
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,470/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,625
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,298
−HK$684/mo
Today · 4.125%
HK$22,982
baseline
▲ 0.50% · 4.625%
HK$24,380
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,964/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,058
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,703
−HK$655/mo
Today · 4.125%
HK$25,358
baseline
▲ 0.50% · 4.625%
HK$26,694
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,716/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,804
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,669
−HK$879/mo
Today · 4.125%
HK$29,548
baseline
▲ 0.50% · 4.625%
HK$31,346
+HK$1,798/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$59,096/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,932
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,761
−HK$842/mo
Today · 4.125%
HK$32,603
baseline
▲ 0.50% · 4.625%
HK$34,321
+HK$1,718/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$65,206/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,224 · 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).