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$15,379
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,857
−HK$486/mo
Today · 4.125%
HK$16,343
baseline
▲ 0.50% · 4.625%
HK$17,338
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,686/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,109
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,568
−HK$465/mo
Today · 4.125%
HK$18,033
baseline
▲ 0.50% · 4.625%
HK$18,984
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,066/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,455
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,029
−HK$583/mo
Today · 4.125%
HK$19,612
baseline
▲ 0.50% · 4.625%
HK$20,805
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,224/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,530
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,081
−HK$559/mo
Today · 4.125%
HK$21,640
baseline
▲ 0.50% · 4.625%
HK$22,780
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,280/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,530
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,200
−HK$680/mo
Today · 4.125%
HK$22,880
baseline
▲ 0.50% · 4.625%
HK$24,273
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,760/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,952
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,595
−HK$651/mo
Today · 4.125%
HK$25,246
baseline
▲ 0.50% · 4.625%
HK$26,577
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,492/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,682
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,543
−HK$875/mo
Today · 4.125%
HK$29,418
baseline
▲ 0.50% · 4.625%
HK$31,208
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,836/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,796
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,622
−HK$838/mo
Today · 4.125%
HK$32,460
baseline
▲ 0.50% · 4.625%
HK$34,171
+HK$1,711/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,920/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,330 · 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).