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$15,329
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,806
−HK$484/mo
Today · 4.125%
HK$16,290
baseline
▲ 0.50% · 4.625%
HK$17,281
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,580/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,053
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,510
−HK$464/mo
Today · 4.125%
HK$17,974
baseline
▲ 0.50% · 4.625%
HK$18,922
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,948/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,394
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,967
−HK$581/mo
Today · 4.125%
HK$19,548
baseline
▲ 0.50% · 4.625%
HK$20,737
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,096/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,464
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,012
−HK$557/mo
Today · 4.125%
HK$21,569
baseline
▲ 0.50% · 4.625%
HK$22,706
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,138/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,460
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,128
−HK$678/mo
Today · 4.125%
HK$22,806
baseline
▲ 0.50% · 4.625%
HK$24,194
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,612/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,874
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,515
−HK$649/mo
Today · 4.125%
HK$25,164
baseline
▲ 0.50% · 4.625%
HK$26,491
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,328/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,592
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,450
−HK$872/mo
Today · 4.125%
HK$29,322
baseline
▲ 0.50% · 4.625%
HK$31,106
+HK$1,784/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,644/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,695
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,519
−HK$835/mo
Today · 4.125%
HK$32,354
baseline
▲ 0.50% · 4.625%
HK$34,059
+HK$1,705/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,708/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,671 · 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).