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$961/mo
▼ 0.25% · 3.875%
HK$15,807
−HK$484/mo
Today · 4.125%
HK$16,291
baseline
▲ 0.50% · 4.625%
HK$17,283
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,582/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,054
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,512
−HK$464/mo
Today · 4.125%
HK$17,976
baseline
▲ 0.50% · 4.625%
HK$18,923
+HK$947/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$201,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,396
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,968
−HK$582/mo
Today · 4.125%
HK$19,550
baseline
▲ 0.50% · 4.625%
HK$20,739
+HK$1,189/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$201,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,465
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,014
−HK$557/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$201,688 · 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$201,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,876
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,517
−HK$649/mo
Today · 4.125%
HK$25,166
baseline
▲ 0.50% · 4.625%
HK$26,493
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,332/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,594
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,452
−HK$872/mo
Today · 4.125%
HK$29,324
baseline
▲ 0.50% · 4.625%
HK$31,109
+HK$1,785/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,648/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,698
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,521
−HK$835/mo
Today · 4.125%
HK$32,356
baseline
▲ 0.50% · 4.625%
HK$34,062
+HK$1,706/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,712/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,688 · 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).