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$15,301
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,777
−HK$484/mo
Today · 4.125%
HK$16,261
baseline
▲ 0.50% · 4.625%
HK$17,250
+HK$989/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,522/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,022
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,479
−HK$463/mo
Today · 4.125%
HK$17,942
baseline
▲ 0.50% · 4.625%
HK$18,888
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,884/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,361
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,933
−HK$580/mo
Today · 4.125%
HK$19,513
baseline
▲ 0.50% · 4.625%
HK$20,700
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,026/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,427
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,975
−HK$555/mo
Today · 4.125%
HK$21,530
baseline
▲ 0.50% · 4.625%
HK$22,665
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,060/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,422
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,088
−HK$677/mo
Today · 4.125%
HK$22,765
baseline
▲ 0.50% · 4.625%
HK$24,150
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,530/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,831
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,471
−HK$648/mo
Today · 4.125%
HK$25,119
baseline
▲ 0.50% · 4.625%
HK$26,443
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,238/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,542
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,399
−HK$870/mo
Today · 4.125%
HK$29,269
baseline
▲ 0.50% · 4.625%
HK$31,050
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,538/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,640
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,462
−HK$834/mo
Today · 4.125%
HK$32,296
baseline
▲ 0.50% · 4.625%
HK$33,998
+HK$1,702/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,592/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,309 · 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).