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$15,457
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,938
−HK$489/mo
Today · 4.125%
HK$16,427
baseline
▲ 0.50% · 4.625%
HK$17,426
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,854/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,196
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,657
−HK$468/mo
Today · 4.125%
HK$18,125
baseline
▲ 0.50% · 4.625%
HK$19,081
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,250/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,549
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,126
−HK$586/mo
Today · 4.125%
HK$19,712
baseline
▲ 0.50% · 4.625%
HK$20,912
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,424/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,635
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,189
−HK$561/mo
Today · 4.125%
HK$21,750
baseline
▲ 0.50% · 4.625%
HK$22,897
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,500/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,640
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,314
−HK$683/mo
Today · 4.125%
HK$22,997
baseline
▲ 0.50% · 4.625%
HK$24,397
+HK$1,400/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$45,994/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,075
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,720
−HK$655/mo
Today · 4.125%
HK$25,375
baseline
▲ 0.50% · 4.625%
HK$26,713
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$50,750/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,823
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,689
−HK$879/mo
Today · 4.125%
HK$29,568
baseline
▲ 0.50% · 4.625%
HK$31,367
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,136/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,953
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,783
−HK$843/mo
Today · 4.125%
HK$32,626
baseline
▲ 0.50% · 4.625%
HK$34,345
+HK$1,719/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,252/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,365 · 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).