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$15,433
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,913
−HK$488/mo
Today · 4.125%
HK$16,401
baseline
▲ 0.50% · 4.625%
HK$17,399
+HK$998/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,802/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,169
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,630
−HK$467/mo
Today · 4.125%
HK$18,097
baseline
▲ 0.50% · 4.625%
HK$19,051
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,194/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,520
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,096
−HK$585/mo
Today · 4.125%
HK$19,681
baseline
▲ 0.50% · 4.625%
HK$20,879
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,362/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,603
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,156
−HK$560/mo
Today · 4.125%
HK$21,716
baseline
▲ 0.50% · 4.625%
HK$22,861
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,432/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,606
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,279
−HK$682/mo
Today · 4.125%
HK$22,961
baseline
▲ 0.50% · 4.625%
HK$24,359
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,922/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,037
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,682
−HK$654/mo
Today · 4.125%
HK$25,336
baseline
▲ 0.50% · 4.625%
HK$26,671
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,672/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,780
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,644
−HK$878/mo
Today · 4.125%
HK$29,522
baseline
▲ 0.50% · 4.625%
HK$31,318
+HK$1,796/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,044/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,905
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,734
−HK$840/mo
Today · 4.125%
HK$32,574
baseline
▲ 0.50% · 4.625%
HK$34,291
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,148/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,046 · 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).