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$15,449
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,930
−HK$488/mo
Today · 4.125%
HK$16,418
baseline
▲ 0.50% · 4.625%
HK$17,417
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,836/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,187
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,648
−HK$468/mo
Today · 4.125%
HK$18,116
baseline
▲ 0.50% · 4.625%
HK$19,071
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,232/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,539
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,116
−HK$586/mo
Today · 4.125%
HK$19,702
baseline
▲ 0.50% · 4.625%
HK$20,901
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,404/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,625
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,178
−HK$561/mo
Today · 4.125%
HK$21,739
baseline
▲ 0.50% · 4.625%
HK$22,885
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,478/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,629
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,302
−HK$683/mo
Today · 4.125%
HK$22,985
baseline
▲ 0.50% · 4.625%
HK$24,384
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,970/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,062
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,707
−HK$655/mo
Today · 4.125%
HK$25,362
baseline
▲ 0.50% · 4.625%
HK$26,699
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,724/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,809
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,674
−HK$879/mo
Today · 4.125%
HK$29,553
baseline
▲ 0.50% · 4.625%
HK$31,351
+HK$1,798/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,106/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,937
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,767
−HK$841/mo
Today · 4.125%
HK$32,608
baseline
▲ 0.50% · 4.625%
HK$34,327
+HK$1,719/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,216/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,259 · 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).