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$15,458
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,939
−HK$489/mo
Today · 4.125%
HK$16,428
baseline
▲ 0.50% · 4.625%
HK$17,427
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,856/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,197
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,658
−HK$468/mo
Today · 4.125%
HK$18,126
baseline
▲ 0.50% · 4.625%
HK$19,082
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,252/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,550
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,127
−HK$586/mo
Today · 4.125%
HK$19,713
baseline
▲ 0.50% · 4.625%
HK$20,912
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,426/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,636
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,190
−HK$561/mo
Today · 4.125%
HK$21,751
baseline
▲ 0.50% · 4.625%
HK$22,898
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,502/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,641
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,315
−HK$684/mo
Today · 4.125%
HK$22,999
baseline
▲ 0.50% · 4.625%
HK$24,398
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$45,998/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,076
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$655/mo
Today · 4.125%
HK$25,377
baseline
▲ 0.50% · 4.625%
HK$26,714
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$50,754/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,825
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,690
−HK$880/mo
Today · 4.125%
HK$29,570
baseline
▲ 0.50% · 4.625%
HK$31,369
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,140/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,955
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,785
−HK$842/mo
Today · 4.125%
HK$32,627
baseline
▲ 0.50% · 4.625%
HK$34,347
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,254/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,374 · 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).