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$15,406
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,885
−HK$487/mo
Today · 4.125%
HK$16,372
baseline
▲ 0.50% · 4.625%
HK$17,368
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,744/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,139
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,599
−HK$466/mo
Today · 4.125%
HK$18,065
baseline
▲ 0.50% · 4.625%
HK$19,017
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,130/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,487
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,062
−HK$585/mo
Today · 4.125%
HK$19,647
baseline
▲ 0.50% · 4.625%
HK$20,842
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,294/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,567
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,119
−HK$559/mo
Today · 4.125%
HK$21,678
baseline
▲ 0.50% · 4.625%
HK$22,821
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,356/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,569
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,240
−HK$681/mo
Today · 4.125%
HK$22,921
baseline
▲ 0.50% · 4.625%
HK$24,316
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,842/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,995
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,638
−HK$653/mo
Today · 4.125%
HK$25,291
baseline
▲ 0.50% · 4.625%
HK$26,624
+HK$1,333/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,582/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,731
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,594
−HK$876/mo
Today · 4.125%
HK$29,470
baseline
▲ 0.50% · 4.625%
HK$31,263
+HK$1,793/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,940/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,851
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,678
−HK$839/mo
Today · 4.125%
HK$32,517
baseline
▲ 0.50% · 4.625%
HK$34,231
+HK$1,714/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,034/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,690 · 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).