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$15,335
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,812
−HK$485/mo
Today · 4.125%
HK$16,297
baseline
▲ 0.50% · 4.625%
HK$17,289
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,594/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,061
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,518
−HK$464/mo
Today · 4.125%
HK$17,982
baseline
▲ 0.50% · 4.625%
HK$18,930
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,964/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,403
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,975
−HK$582/mo
Today · 4.125%
HK$19,557
baseline
▲ 0.50% · 4.625%
HK$20,746
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,114/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,473
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,022
−HK$557/mo
Today · 4.125%
HK$21,579
baseline
▲ 0.50% · 4.625%
HK$22,716
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,158/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,470
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,137
−HK$679/mo
Today · 4.125%
HK$22,816
baseline
▲ 0.50% · 4.625%
HK$24,204
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,632/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,885
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,525
−HK$650/mo
Today · 4.125%
HK$25,175
baseline
▲ 0.50% · 4.625%
HK$26,502
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,350/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,604
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,462
−HK$873/mo
Today · 4.125%
HK$29,335
baseline
▲ 0.50% · 4.625%
HK$31,120
+HK$1,785/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$58,670/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,709
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,533
−HK$835/mo
Today · 4.125%
HK$32,368
baseline
▲ 0.50% · 4.625%
HK$34,074
+HK$1,706/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$64,736/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,760 · 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).