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$15,439
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,919
−HK$488/mo
Today · 4.125%
HK$16,407
baseline
▲ 0.50% · 4.625%
HK$17,406
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,814/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,176
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,636
−HK$468/mo
Today · 4.125%
HK$18,104
baseline
▲ 0.50% · 4.625%
HK$19,058
+HK$954/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,208/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,527
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,103
−HK$586/mo
Today · 4.125%
HK$19,689
baseline
▲ 0.50% · 4.625%
HK$20,887
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,378/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,611
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,164
−HK$560/mo
Today · 4.125%
HK$21,724
baseline
▲ 0.50% · 4.625%
HK$22,870
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,448/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,615
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,287
−HK$683/mo
Today · 4.125%
HK$22,970
baseline
▲ 0.50% · 4.625%
HK$24,368
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,940/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,046
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,691
−HK$654/mo
Today · 4.125%
HK$25,345
baseline
▲ 0.50% · 4.625%
HK$26,681
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,690/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,790
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,655
−HK$878/mo
Today · 4.125%
HK$29,533
baseline
▲ 0.50% · 4.625%
HK$31,330
+HK$1,797/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,066/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,916
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,745
−HK$842/mo
Today · 4.125%
HK$32,587
baseline
▲ 0.50% · 4.625%
HK$34,304
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,174/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,122 · 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).