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$15,423
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,902
−HK$488/mo
Today · 4.125%
HK$16,390
baseline
▲ 0.50% · 4.625%
HK$17,387
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,780/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,158
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,618
−HK$467/mo
Today · 4.125%
HK$18,085
baseline
▲ 0.50% · 4.625%
HK$19,038
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,170/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,507
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,083
−HK$585/mo
Today · 4.125%
HK$19,668
baseline
▲ 0.50% · 4.625%
HK$20,864
+HK$1,196/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,336/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,589
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,141
−HK$560/mo
Today · 4.125%
HK$21,701
baseline
▲ 0.50% · 4.625%
HK$22,845
+HK$1,144/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,402/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,592
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,263
−HK$683/mo
Today · 4.125%
HK$22,946
baseline
▲ 0.50% · 4.625%
HK$24,342
+HK$1,396/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,892/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,021
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,665
−HK$653/mo
Today · 4.125%
HK$25,318
baseline
▲ 0.50% · 4.625%
HK$26,653
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,636/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,761
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,624
−HK$878/mo
Today · 4.125%
HK$29,502
baseline
▲ 0.50% · 4.625%
HK$31,297
+HK$1,795/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$59,004/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,884
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,712
−HK$840/mo
Today · 4.125%
HK$32,552
baseline
▲ 0.50% · 4.625%
HK$34,268
+HK$1,716/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$65,104/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,907 · 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).