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$15,442
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,922
−HK$488/mo
Today · 4.125%
HK$16,410
baseline
▲ 0.50% · 4.625%
HK$17,409
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,820/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,179
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,639
−HK$468/mo
Today · 4.125%
HK$18,107
baseline
▲ 0.50% · 4.625%
HK$19,061
+HK$954/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,214/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,530
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,106
−HK$586/mo
Today · 4.125%
HK$19,692
baseline
▲ 0.50% · 4.625%
HK$20,890
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,384/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,615
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,167
−HK$561/mo
Today · 4.125%
HK$21,728
baseline
▲ 0.50% · 4.625%
HK$22,874
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,456/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,618
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,291
−HK$683/mo
Today · 4.125%
HK$22,974
baseline
▲ 0.50% · 4.625%
HK$24,372
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,948/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,050
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,695
−HK$655/mo
Today · 4.125%
HK$25,350
baseline
▲ 0.50% · 4.625%
HK$26,686
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,700/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,795
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,660
−HK$878/mo
Today · 4.125%
HK$29,538
baseline
▲ 0.50% · 4.625%
HK$31,335
+HK$1,797/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,076/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,922
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,751
−HK$841/mo
Today · 4.125%
HK$32,592
baseline
▲ 0.50% · 4.625%
HK$34,310
+HK$1,718/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,184/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,158 · 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).