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$15,441
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,921
−HK$488/mo
Today · 4.125%
HK$16,409
baseline
▲ 0.50% · 4.625%
HK$17,408
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,818/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,178
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,639
−HK$467/mo
Today · 4.125%
HK$18,106
baseline
▲ 0.50% · 4.625%
HK$19,060
+HK$954/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,212/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,529
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,106
−HK$585/mo
Today · 4.125%
HK$19,691
baseline
▲ 0.50% · 4.625%
HK$20,889
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,382/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,614
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,166
−HK$561/mo
Today · 4.125%
HK$21,727
baseline
▲ 0.50% · 4.625%
HK$22,872
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,454/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,617
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,290
−HK$683/mo
Today · 4.125%
HK$22,973
baseline
▲ 0.50% · 4.625%
HK$24,371
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,946/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,049
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,694
−HK$654/mo
Today · 4.125%
HK$25,348
baseline
▲ 0.50% · 4.625%
HK$26,685
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,696/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,794
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,658
−HK$879/mo
Today · 4.125%
HK$29,537
baseline
▲ 0.50% · 4.625%
HK$31,334
+HK$1,797/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,074/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,920
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,750
−HK$841/mo
Today · 4.125%
HK$32,591
baseline
▲ 0.50% · 4.625%
HK$34,309
+HK$1,718/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,182/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,148 · 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).