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$15,324
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,800
−HK$485/mo
Today · 4.125%
HK$16,285
baseline
▲ 0.50% · 4.625%
HK$17,275
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,570/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,047
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,505
−HK$463/mo
Today · 4.125%
HK$17,968
baseline
▲ 0.50% · 4.625%
HK$18,916
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,936/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,388
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$581/mo
Today · 4.125%
HK$19,541
baseline
▲ 0.50% · 4.625%
HK$20,730
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,082/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,457
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,005
−HK$557/mo
Today · 4.125%
HK$21,562
baseline
▲ 0.50% · 4.625%
HK$22,699
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,124/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,453
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,120
−HK$678/mo
Today · 4.125%
HK$22,798
baseline
▲ 0.50% · 4.625%
HK$24,186
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,596/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,866
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,506
−HK$650/mo
Today · 4.125%
HK$25,156
baseline
▲ 0.50% · 4.625%
HK$26,482
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,312/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,582
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,440
−HK$872/mo
Today · 4.125%
HK$29,312
baseline
▲ 0.50% · 4.625%
HK$31,096
+HK$1,784/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,624/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,685
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,508
−HK$835/mo
Today · 4.125%
HK$32,343
baseline
▲ 0.50% · 4.625%
HK$34,048
+HK$1,705/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,686/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,604 · 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).