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$15,322
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,799
−HK$484/mo
Today · 4.125%
HK$16,283
baseline
▲ 0.50% · 4.625%
HK$17,274
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,566/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,046
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,503
−HK$464/mo
Today · 4.125%
HK$17,967
baseline
▲ 0.50% · 4.625%
HK$18,914
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,934/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,387
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,958
−HK$582/mo
Today · 4.125%
HK$19,540
baseline
▲ 0.50% · 4.625%
HK$20,728
+HK$1,188/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,080/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,455
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,003
−HK$557/mo
Today · 4.125%
HK$21,560
baseline
▲ 0.50% · 4.625%
HK$22,696
+HK$1,136/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,120/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,451
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,118
−HK$678/mo
Today · 4.125%
HK$22,796
baseline
▲ 0.50% · 4.625%
HK$24,183
+HK$1,387/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,592/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,864
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,504
−HK$649/mo
Today · 4.125%
HK$25,153
baseline
▲ 0.50% · 4.625%
HK$26,479
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,306/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,580
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,438
−HK$871/mo
Today · 4.125%
HK$29,309
baseline
▲ 0.50% · 4.625%
HK$31,093
+HK$1,784/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,618/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,682
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,505
−HK$835/mo
Today · 4.125%
HK$32,340
baseline
▲ 0.50% · 4.625%
HK$34,045
+HK$1,705/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,680/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,585 · 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).