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$15,454
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,934
−HK$489/mo
Today · 4.125%
HK$16,423
baseline
▲ 0.50% · 4.625%
HK$17,422
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,846/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,192
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,653
−HK$468/mo
Today · 4.125%
HK$18,121
baseline
▲ 0.50% · 4.625%
HK$19,076
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,242/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,544
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,121
−HK$586/mo
Today · 4.125%
HK$19,707
baseline
▲ 0.50% · 4.625%
HK$20,906
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,414/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,630
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,184
−HK$561/mo
Today · 4.125%
HK$21,745
baseline
▲ 0.50% · 4.625%
HK$22,891
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,490/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,635
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,308
−HK$684/mo
Today · 4.125%
HK$22,992
baseline
▲ 0.50% · 4.625%
HK$24,391
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,984/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,069
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,714
−HK$655/mo
Today · 4.125%
HK$25,369
baseline
▲ 0.50% · 4.625%
HK$26,706
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,738/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,816
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,682
−HK$879/mo
Today · 4.125%
HK$29,561
baseline
▲ 0.50% · 4.625%
HK$31,359
+HK$1,798/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,122/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,945
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,775
−HK$842/mo
Today · 4.125%
HK$32,617
baseline
▲ 0.50% · 4.625%
HK$34,337
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,234/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,313 · 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).