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$15,355
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,833
−HK$485/mo
Today · 4.125%
HK$16,318
baseline
▲ 0.50% · 4.625%
HK$17,311
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,636/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,083
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,541
−HK$465/mo
Today · 4.125%
HK$18,006
baseline
▲ 0.50% · 4.625%
HK$18,955
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,012/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,426
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,000
−HK$582/mo
Today · 4.125%
HK$19,582
baseline
▲ 0.50% · 4.625%
HK$20,773
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,164/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,499
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,049
−HK$558/mo
Today · 4.125%
HK$21,607
baseline
▲ 0.50% · 4.625%
HK$22,746
+HK$1,139/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,214/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,497
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,166
−HK$680/mo
Today · 4.125%
HK$22,846
baseline
▲ 0.50% · 4.625%
HK$24,236
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,692/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,916
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,557
−HK$651/mo
Today · 4.125%
HK$25,208
baseline
▲ 0.50% · 4.625%
HK$26,537
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,416/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,640
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,499
−HK$874/mo
Today · 4.125%
HK$29,373
baseline
▲ 0.50% · 4.625%
HK$31,160
+HK$1,787/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,746/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$202,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,749
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,573
−HK$837/mo
Today · 4.125%
HK$32,410
baseline
▲ 0.50% · 4.625%
HK$34,118
+HK$1,708/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,820/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$202,022 · 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).