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$15,440
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,920
−HK$488/mo
Today · 4.125%
HK$16,408
baseline
▲ 0.50% · 4.625%
HK$17,406
+HK$998/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,816/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,176
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,637
−HK$467/mo
Today · 4.125%
HK$18,104
baseline
▲ 0.50% · 4.625%
HK$19,059
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,208/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,528
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,104
−HK$585/mo
Today · 4.125%
HK$19,689
baseline
▲ 0.50% · 4.625%
HK$20,887
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,378/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,612
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,165
−HK$560/mo
Today · 4.125%
HK$21,725
baseline
▲ 0.50% · 4.625%
HK$22,871
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,450/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,616
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,288
−HK$683/mo
Today · 4.125%
HK$22,971
baseline
▲ 0.50% · 4.625%
HK$24,369
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,942/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,047
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,692
−HK$654/mo
Today · 4.125%
HK$25,346
baseline
▲ 0.50% · 4.625%
HK$26,682
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,692/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,791
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,656
−HK$878/mo
Today · 4.125%
HK$29,534
baseline
▲ 0.50% · 4.625%
HK$31,331
+HK$1,797/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,068/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,918
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,747
−HK$841/mo
Today · 4.125%
HK$32,588
baseline
▲ 0.50% · 4.625%
HK$34,306
+HK$1,718/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,176/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,131 · 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).