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$15,429
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,909
−HK$488/mo
Today · 4.125%
HK$16,397
baseline
▲ 0.50% · 4.625%
HK$17,394
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,794/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$202,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,165
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,625
−HK$467/mo
Today · 4.125%
HK$18,092
baseline
▲ 0.50% · 4.625%
HK$19,046
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,184/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$202,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,515
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,091
−HK$585/mo
Today · 4.125%
HK$19,676
baseline
▲ 0.50% · 4.625%
HK$20,873
+HK$1,197/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,352/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,598
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,150
−HK$560/mo
Today · 4.125%
HK$21,710
baseline
▲ 0.50% · 4.625%
HK$22,855
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,420/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,601
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,273
−HK$682/mo
Today · 4.125%
HK$22,955
baseline
▲ 0.50% · 4.625%
HK$24,352
+HK$1,397/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,910/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,031
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,675
−HK$654/mo
Today · 4.125%
HK$25,329
baseline
▲ 0.50% · 4.625%
HK$26,664
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,658/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,772
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,636
−HK$878/mo
Today · 4.125%
HK$29,514
baseline
▲ 0.50% · 4.625%
HK$31,310
+HK$1,796/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,028/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$202,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,896
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,725
−HK$841/mo
Today · 4.125%
HK$32,566
baseline
▲ 0.50% · 4.625%
HK$34,282
+HK$1,716/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,132/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$202,992 · 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).