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$15,436
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,916
−HK$488/mo
Today · 4.125%
HK$16,404
baseline
▲ 0.50% · 4.625%
HK$17,402
+HK$998/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,808/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,173
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,633
−HK$467/mo
Today · 4.125%
HK$18,100
baseline
▲ 0.50% · 4.625%
HK$19,054
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,200/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,523
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,100
−HK$585/mo
Today · 4.125%
HK$19,685
baseline
▲ 0.50% · 4.625%
HK$20,883
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,370/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,607
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,160
−HK$560/mo
Today · 4.125%
HK$21,720
baseline
▲ 0.50% · 4.625%
HK$22,865
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,440/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,611
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,283
−HK$683/mo
Today · 4.125%
HK$22,966
baseline
▲ 0.50% · 4.625%
HK$24,363
+HK$1,397/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,932/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,042
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,686
−HK$654/mo
Today · 4.125%
HK$25,340
baseline
▲ 0.50% · 4.625%
HK$26,676
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,680/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,785
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,649
−HK$878/mo
Today · 4.125%
HK$29,527
baseline
▲ 0.50% · 4.625%
HK$31,324
+HK$1,797/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,054/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,911
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,740
−HK$841/mo
Today · 4.125%
HK$32,581
baseline
▲ 0.50% · 4.625%
HK$34,298
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,162/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,085 · 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).