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$15,425
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,904
−HK$488/mo
Today · 4.125%
HK$16,392
baseline
▲ 0.50% · 4.625%
HK$17,389
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,784/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$202,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,160
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,620
−HK$467/mo
Today · 4.125%
HK$18,087
baseline
▲ 0.50% · 4.625%
HK$19,040
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,174/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$202,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,509
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,085
−HK$585/mo
Today · 4.125%
HK$19,670
baseline
▲ 0.50% · 4.625%
HK$20,867
+HK$1,197/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,340/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,592
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,144
−HK$560/mo
Today · 4.125%
HK$21,704
baseline
▲ 0.50% · 4.625%
HK$22,848
+HK$1,144/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,408/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,594
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,266
−HK$683/mo
Today · 4.125%
HK$22,949
baseline
▲ 0.50% · 4.625%
HK$24,345
+HK$1,396/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,898/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,024
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,668
−HK$653/mo
Today · 4.125%
HK$25,321
baseline
▲ 0.50% · 4.625%
HK$26,656
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,642/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,764
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,628
−HK$877/mo
Today · 4.125%
HK$29,505
baseline
▲ 0.50% · 4.625%
HK$31,301
+HK$1,796/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$59,010/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,887
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,716
−HK$840/mo
Today · 4.125%
HK$32,556
baseline
▲ 0.50% · 4.625%
HK$34,272
+HK$1,716/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$65,112/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,932 · 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).