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$15,307
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,783
−HK$484/mo
Today · 4.125%
HK$16,267
baseline
▲ 0.50% · 4.625%
HK$17,257
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,534/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,029
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,486
−HK$463/mo
Today · 4.125%
HK$17,949
baseline
▲ 0.50% · 4.625%
HK$18,895
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,898/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,369
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,940
−HK$581/mo
Today · 4.125%
HK$19,521
baseline
▲ 0.50% · 4.625%
HK$20,708
+HK$1,187/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,042/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,435
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,983
−HK$556/mo
Today · 4.125%
HK$21,539
baseline
▲ 0.50% · 4.625%
HK$22,674
+HK$1,135/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,078/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,430
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,097
−HK$677/mo
Today · 4.125%
HK$22,774
baseline
▲ 0.50% · 4.625%
HK$24,160
+HK$1,386/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,548/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,841
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,480
−HK$649/mo
Today · 4.125%
HK$25,129
baseline
▲ 0.50% · 4.625%
HK$26,453
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,258/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,553
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,410
−HK$871/mo
Today · 4.125%
HK$29,281
baseline
▲ 0.50% · 4.625%
HK$31,062
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,562/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,652
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,475
−HK$833/mo
Today · 4.125%
HK$32,308
baseline
▲ 0.50% · 4.625%
HK$34,012
+HK$1,704/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,616/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,389 · 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).