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$15,446
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,926
−HK$488/mo
Today · 4.125%
HK$16,414
baseline
▲ 0.50% · 4.625%
HK$17,413
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,828/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,183
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,644
−HK$467/mo
Today · 4.125%
HK$18,111
baseline
▲ 0.50% · 4.625%
HK$19,066
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,222/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,535
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,111
−HK$586/mo
Today · 4.125%
HK$19,697
baseline
▲ 0.50% · 4.625%
HK$20,896
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,394/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,620
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,173
−HK$561/mo
Today · 4.125%
HK$21,734
baseline
▲ 0.50% · 4.625%
HK$22,879
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,468/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,624
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,296
−HK$684/mo
Today · 4.125%
HK$22,980
baseline
▲ 0.50% · 4.625%
HK$24,378
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,960/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,701
−HK$655/mo
Today · 4.125%
HK$25,356
baseline
▲ 0.50% · 4.625%
HK$26,693
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,712/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,802
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,667
−HK$878/mo
Today · 4.125%
HK$29,545
baseline
▲ 0.50% · 4.625%
HK$31,343
+HK$1,798/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$59,090/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,930
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,759
−HK$842/mo
Today · 4.125%
HK$32,601
baseline
▲ 0.50% · 4.625%
HK$34,319
+HK$1,718/mo
Deposit HK$677K · loan HK$6.10M · min. income ≈ HK$65,202/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,209 · 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).