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$15,420
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,899
−HK$488/mo
Today · 4.125%
HK$16,387
baseline
▲ 0.50% · 4.625%
HK$17,384
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,774/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,154
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,614
−HK$467/mo
Today · 4.125%
HK$18,081
baseline
▲ 0.50% · 4.625%
HK$19,034
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,162/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,504
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,079
−HK$585/mo
Today · 4.125%
HK$19,664
baseline
▲ 0.50% · 4.625%
HK$20,861
+HK$1,197/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$39,328/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,585
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,137
−HK$560/mo
Today · 4.125%
HK$21,697
baseline
▲ 0.50% · 4.625%
HK$22,841
+HK$1,144/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$43,394/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,588
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,259
−HK$682/mo
Today · 4.125%
HK$22,941
baseline
▲ 0.50% · 4.625%
HK$24,337
+HK$1,396/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,882/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,016
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,660
−HK$653/mo
Today · 4.125%
HK$25,313
baseline
▲ 0.50% · 4.625%
HK$26,648
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,626/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,755
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,619
−HK$877/mo
Today · 4.125%
HK$29,496
baseline
▲ 0.50% · 4.625%
HK$31,291
+HK$1,795/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$58,992/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,878
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,706
−HK$840/mo
Today · 4.125%
HK$32,546
baseline
▲ 0.50% · 4.625%
HK$34,261
+HK$1,715/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$65,092/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,869 · 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).