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$15,391
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,870
−HK$486/mo
Today · 4.125%
HK$16,356
baseline
▲ 0.50% · 4.625%
HK$17,352
+HK$996/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,712/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,122
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,582
−HK$466/mo
Today · 4.125%
HK$18,048
baseline
▲ 0.50% · 4.625%
HK$18,999
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,096/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,469
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,044
−HK$584/mo
Today · 4.125%
HK$19,628
baseline
▲ 0.50% · 4.625%
HK$20,822
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,256/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,547
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$559/mo
Today · 4.125%
HK$21,657
baseline
▲ 0.50% · 4.625%
HK$22,799
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,314/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,548
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,218
−HK$681/mo
Today · 4.125%
HK$22,899
baseline
▲ 0.50% · 4.625%
HK$24,292
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,798/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,971
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,614
−HK$653/mo
Today · 4.125%
HK$25,267
baseline
▲ 0.50% · 4.625%
HK$26,598
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,534/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,704
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,566
−HK$875/mo
Today · 4.125%
HK$29,441
baseline
▲ 0.50% · 4.625%
HK$31,233
+HK$1,792/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,882/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,820
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,647
−HK$839/mo
Today · 4.125%
HK$32,486
baseline
▲ 0.50% · 4.625%
HK$34,198
+HK$1,712/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,972/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,493 · 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).