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$15,330
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,807
−HK$485/mo
Today · 4.125%
HK$16,292
baseline
▲ 0.50% · 4.625%
HK$17,283
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,584/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,055
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,512
−HK$464/mo
Today · 4.125%
HK$17,976
baseline
▲ 0.50% · 4.625%
HK$18,924
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,952/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,396
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,969
−HK$581/mo
Today · 4.125%
HK$19,550
baseline
▲ 0.50% · 4.625%
HK$20,740
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,100/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,466
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,015
−HK$556/mo
Today · 4.125%
HK$21,571
baseline
▲ 0.50% · 4.625%
HK$22,708
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,142/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,462
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,130
−HK$678/mo
Today · 4.125%
HK$22,808
baseline
▲ 0.50% · 4.625%
HK$24,196
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,616/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,877
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,517
−HK$650/mo
Today · 4.125%
HK$25,167
baseline
▲ 0.50% · 4.625%
HK$26,493
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,334/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,595
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,453
−HK$872/mo
Today · 4.125%
HK$29,325
baseline
▲ 0.50% · 4.625%
HK$31,109
+HK$1,784/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,650/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,699
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,522
−HK$835/mo
Today · 4.125%
HK$32,357
baseline
▲ 0.50% · 4.625%
HK$34,063
+HK$1,706/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,714/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,692 · 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).