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$15,408
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,887
−HK$487/mo
Today · 4.125%
HK$16,374
baseline
▲ 0.50% · 4.625%
HK$17,371
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,748/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,141
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,601
−HK$466/mo
Today · 4.125%
HK$18,067
baseline
▲ 0.50% · 4.625%
HK$19,020
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,134/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,490
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,065
−HK$584/mo
Today · 4.125%
HK$19,649
baseline
▲ 0.50% · 4.625%
HK$20,845
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,298/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,570
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,121
−HK$560/mo
Today · 4.125%
HK$21,681
baseline
▲ 0.50% · 4.625%
HK$22,824
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,362/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,571
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,242
−HK$682/mo
Today · 4.125%
HK$22,924
baseline
▲ 0.50% · 4.625%
HK$24,319
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,848/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,998
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,641
−HK$653/mo
Today · 4.125%
HK$25,294
baseline
▲ 0.50% · 4.625%
HK$26,628
+HK$1,334/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,588/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,735
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,597
−HK$877/mo
Today · 4.125%
HK$29,474
baseline
▲ 0.50% · 4.625%
HK$31,267
+HK$1,793/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,948/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,854
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,682
−HK$839/mo
Today · 4.125%
HK$32,521
baseline
▲ 0.50% · 4.625%
HK$34,236
+HK$1,715/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,042/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,716 · 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).