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$15,336
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,813
−HK$485/mo
Today · 4.125%
HK$16,298
baseline
▲ 0.50% · 4.625%
HK$17,290
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,596/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,061
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,519
−HK$464/mo
Today · 4.125%
HK$17,983
baseline
▲ 0.50% · 4.625%
HK$18,931
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,966/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,403
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,976
−HK$581/mo
Today · 4.125%
HK$19,557
baseline
▲ 0.50% · 4.625%
HK$20,747
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,114/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,474
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,023
−HK$557/mo
Today · 4.125%
HK$21,580
baseline
▲ 0.50% · 4.625%
HK$22,717
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,160/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,471
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,138
−HK$679/mo
Today · 4.125%
HK$22,817
baseline
▲ 0.50% · 4.625%
HK$24,205
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,634/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,886
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,526
−HK$650/mo
Today · 4.125%
HK$25,176
baseline
▲ 0.50% · 4.625%
HK$26,503
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,352/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,605
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,464
−HK$872/mo
Today · 4.125%
HK$29,336
baseline
▲ 0.50% · 4.625%
HK$31,121
+HK$1,785/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$58,672/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,710
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,534
−HK$836/mo
Today · 4.125%
HK$32,370
baseline
▲ 0.50% · 4.625%
HK$34,076
+HK$1,706/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$64,740/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,769 · 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).