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$15,448
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,929
−HK$488/mo
Today · 4.125%
HK$16,417
baseline
▲ 0.50% · 4.625%
HK$17,416
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,834/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,186
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,647
−HK$468/mo
Today · 4.125%
HK$18,115
baseline
▲ 0.50% · 4.625%
HK$19,070
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,230/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,538
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,115
−HK$586/mo
Today · 4.125%
HK$19,701
baseline
▲ 0.50% · 4.625%
HK$20,899
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,402/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,623
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,176
−HK$562/mo
Today · 4.125%
HK$21,738
baseline
▲ 0.50% · 4.625%
HK$22,883
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,476/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,628
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,300
−HK$684/mo
Today · 4.125%
HK$22,984
baseline
▲ 0.50% · 4.625%
HK$24,382
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,968/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,061
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,706
−HK$655/mo
Today · 4.125%
HK$25,361
baseline
▲ 0.50% · 4.625%
HK$26,697
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,722/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,807
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,672
−HK$879/mo
Today · 4.125%
HK$29,551
baseline
▲ 0.50% · 4.625%
HK$31,349
+HK$1,798/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$59,102/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,935
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,765
−HK$841/mo
Today · 4.125%
HK$32,606
baseline
▲ 0.50% · 4.625%
HK$34,325
+HK$1,719/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$65,212/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,245 · 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).