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$15,445
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,925
−HK$488/mo
Today · 4.125%
HK$16,413
baseline
▲ 0.50% · 4.625%
HK$17,412
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,826/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,182
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,643
−HK$468/mo
Today · 4.125%
HK$18,111
baseline
▲ 0.50% · 4.625%
HK$19,065
+HK$954/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,222/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,534
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,110
−HK$586/mo
Today · 4.125%
HK$19,696
baseline
▲ 0.50% · 4.625%
HK$20,895
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,392/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,619
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,172
−HK$561/mo
Today · 4.125%
HK$21,733
baseline
▲ 0.50% · 4.625%
HK$22,878
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,466/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,623
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,295
−HK$684/mo
Today · 4.125%
HK$22,979
baseline
▲ 0.50% · 4.625%
HK$24,377
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,958/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,055
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,700
−HK$655/mo
Today · 4.125%
HK$25,355
baseline
▲ 0.50% · 4.625%
HK$26,691
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,710/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,801
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,666
−HK$878/mo
Today · 4.125%
HK$29,544
baseline
▲ 0.50% · 4.625%
HK$31,342
+HK$1,798/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$59,088/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,928
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,758
−HK$841/mo
Today · 4.125%
HK$32,599
baseline
▲ 0.50% · 4.625%
HK$34,317
+HK$1,718/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$65,198/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,200 · 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).