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$15,317
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,793
−HK$484/mo
Today · 4.125%
HK$16,277
baseline
▲ 0.50% · 4.625%
HK$17,268
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,554/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,040
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,497
−HK$463/mo
Today · 4.125%
HK$17,960
baseline
▲ 0.50% · 4.625%
HK$18,907
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,920/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,380
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,952
−HK$581/mo
Today · 4.125%
HK$19,533
baseline
▲ 0.50% · 4.625%
HK$20,721
+HK$1,188/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,066/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,448
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,996
−HK$556/mo
Today · 4.125%
HK$21,552
baseline
▲ 0.50% · 4.625%
HK$22,688
+HK$1,136/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,104/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,443
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,110
−HK$678/mo
Today · 4.125%
HK$22,788
baseline
▲ 0.50% · 4.625%
HK$24,175
+HK$1,387/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,576/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,856
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,495
−HK$649/mo
Today · 4.125%
HK$25,144
baseline
▲ 0.50% · 4.625%
HK$26,470
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,288/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,570
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,428
−HK$871/mo
Today · 4.125%
HK$29,299
baseline
▲ 0.50% · 4.625%
HK$31,082
+HK$1,783/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,598/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,672
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,494
−HK$835/mo
Today · 4.125%
HK$32,329
baseline
▲ 0.50% · 4.625%
HK$34,033
+HK$1,704/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,658/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,514 · 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).