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$15,443
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,923
−HK$488/mo
Today · 4.125%
HK$16,411
baseline
▲ 0.50% · 4.625%
HK$17,410
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,822/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,180
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,640
−HK$468/mo
Today · 4.125%
HK$18,108
baseline
▲ 0.50% · 4.625%
HK$19,062
+HK$954/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,216/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,531
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,108
−HK$585/mo
Today · 4.125%
HK$19,693
baseline
▲ 0.50% · 4.625%
HK$20,891
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,386/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,616
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,169
−HK$560/mo
Today · 4.125%
HK$21,729
baseline
▲ 0.50% · 4.625%
HK$22,875
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,458/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,620
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,292
−HK$683/mo
Today · 4.125%
HK$22,975
baseline
▲ 0.50% · 4.625%
HK$24,373
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,950/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,052
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,697
−HK$654/mo
Today · 4.125%
HK$25,351
baseline
▲ 0.50% · 4.625%
HK$26,687
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,702/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,797
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,661
−HK$879/mo
Today · 4.125%
HK$29,540
baseline
▲ 0.50% · 4.625%
HK$31,337
+HK$1,797/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$59,080/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,924
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,753
−HK$841/mo
Today · 4.125%
HK$32,594
baseline
▲ 0.50% · 4.625%
HK$34,312
+HK$1,718/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$65,188/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,170 · 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).