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$15,444
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,924
−HK$488/mo
Today · 4.125%
HK$16,412
baseline
▲ 0.50% · 4.625%
HK$17,411
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,824/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,181
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,642
−HK$467/mo
Today · 4.125%
HK$18,109
baseline
▲ 0.50% · 4.625%
HK$19,064
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,218/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,533
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,109
−HK$586/mo
Today · 4.125%
HK$19,695
baseline
▲ 0.50% · 4.625%
HK$20,893
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,390/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,617
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,170
−HK$561/mo
Today · 4.125%
HK$21,731
baseline
▲ 0.50% · 4.625%
HK$22,877
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,462/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,621
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,294
−HK$683/mo
Today · 4.125%
HK$22,977
baseline
▲ 0.50% · 4.625%
HK$24,375
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,954/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,054
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,699
−HK$654/mo
Today · 4.125%
HK$25,353
baseline
▲ 0.50% · 4.625%
HK$26,690
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,706/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,799
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,664
−HK$878/mo
Today · 4.125%
HK$29,542
baseline
▲ 0.50% · 4.625%
HK$31,340
+HK$1,798/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$59,084/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,926
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,756
−HK$841/mo
Today · 4.125%
HK$32,597
baseline
▲ 0.50% · 4.625%
HK$34,315
+HK$1,718/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$65,194/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,187 · 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).