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$15,317
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,794
−HK$484/mo
Today · 4.125%
HK$16,278
baseline
▲ 0.50% · 4.625%
HK$17,268
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,556/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,040
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,497
−HK$464/mo
Today · 4.125%
HK$17,961
baseline
▲ 0.50% · 4.625%
HK$18,908
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,922/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,381
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,952
−HK$581/mo
Today · 4.125%
HK$19,533
baseline
▲ 0.50% · 4.625%
HK$20,722
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,066/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,448
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,997
−HK$556/mo
Today · 4.125%
HK$21,553
baseline
▲ 0.50% · 4.625%
HK$22,689
+HK$1,136/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,106/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,444
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,111
−HK$678/mo
Today · 4.125%
HK$22,789
baseline
▲ 0.50% · 4.625%
HK$24,175
+HK$1,386/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,578/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,856
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,496
−HK$649/mo
Today · 4.125%
HK$25,145
baseline
▲ 0.50% · 4.625%
HK$26,471
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,290/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,571
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,429
−HK$871/mo
Today · 4.125%
HK$29,300
baseline
▲ 0.50% · 4.625%
HK$31,083
+HK$1,783/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,600/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,672
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,495
−HK$835/mo
Today · 4.125%
HK$32,330
baseline
▲ 0.50% · 4.625%
HK$34,034
+HK$1,704/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,660/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,520 · 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).