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$15,403
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,882
−HK$487/mo
Today · 4.125%
HK$16,369
baseline
▲ 0.50% · 4.625%
HK$17,365
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,738/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,136
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,596
−HK$466/mo
Today · 4.125%
HK$18,062
baseline
▲ 0.50% · 4.625%
HK$19,014
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,124/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,484
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,059
−HK$584/mo
Today · 4.125%
HK$19,643
baseline
▲ 0.50% · 4.625%
HK$20,838
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,286/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,563
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,115
−HK$559/mo
Today · 4.125%
HK$21,674
baseline
▲ 0.50% · 4.625%
HK$22,817
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,348/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,565
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,235
−HK$682/mo
Today · 4.125%
HK$22,917
baseline
▲ 0.50% · 4.625%
HK$24,311
+HK$1,394/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,834/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,990
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,634
−HK$653/mo
Today · 4.125%
HK$25,287
baseline
▲ 0.50% · 4.625%
HK$26,619
+HK$1,332/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,574/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,726
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,588
−HK$877/mo
Today · 4.125%
HK$29,465
baseline
▲ 0.50% · 4.625%
HK$31,257
+HK$1,792/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,930/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,845
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,672
−HK$839/mo
Today · 4.125%
HK$32,511
baseline
▲ 0.50% · 4.625%
HK$34,225
+HK$1,714/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,022/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,652 · 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).