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$15,318
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,794
−HK$484/mo
Today · 4.125%
HK$16,278
baseline
▲ 0.50% · 4.625%
HK$17,269
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,556/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,041
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,498
−HK$464/mo
Today · 4.125%
HK$17,962
baseline
▲ 0.50% · 4.625%
HK$18,908
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,924/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,381
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,953
−HK$581/mo
Today · 4.125%
HK$19,534
baseline
▲ 0.50% · 4.625%
HK$20,723
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,068/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,449
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,998
−HK$556/mo
Today · 4.125%
HK$21,554
baseline
▲ 0.50% · 4.625%
HK$22,690
+HK$1,136/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,108/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,445
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,112
−HK$678/mo
Today · 4.125%
HK$22,790
baseline
▲ 0.50% · 4.625%
HK$24,176
+HK$1,386/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,580/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,857
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,497
−HK$649/mo
Today · 4.125%
HK$25,146
baseline
▲ 0.50% · 4.625%
HK$26,472
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,292/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,572
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,430
−HK$871/mo
Today · 4.125%
HK$29,301
baseline
▲ 0.50% · 4.625%
HK$31,084
+HK$1,783/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,602/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,674
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,496
−HK$835/mo
Today · 4.125%
HK$32,331
baseline
▲ 0.50% · 4.625%
HK$34,035
+HK$1,704/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,662/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,529 · 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).