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$15,411
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,890
−HK$487/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,373
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,754/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,144
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,604
−HK$466/mo
Today · 4.125%
HK$18,070
baseline
▲ 0.50% · 4.625%
HK$19,023
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,140/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,493
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,068
−HK$584/mo
Today · 4.125%
HK$19,652
baseline
▲ 0.50% · 4.625%
HK$20,848
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,304/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,573
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,125
−HK$559/mo
Today · 4.125%
HK$21,684
baseline
▲ 0.50% · 4.625%
HK$22,827
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,368/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,575
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,246
−HK$682/mo
Today · 4.125%
HK$22,928
baseline
▲ 0.50% · 4.625%
HK$24,323
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,856/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,002
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,645
−HK$653/mo
Today · 4.125%
HK$25,298
baseline
▲ 0.50% · 4.625%
HK$26,632
+HK$1,334/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,596/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,739
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,602
−HK$876/mo
Today · 4.125%
HK$29,478
baseline
▲ 0.50% · 4.625%
HK$31,272
+HK$1,794/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,956/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,859
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,687
−HK$840/mo
Today · 4.125%
HK$32,527
baseline
▲ 0.50% · 4.625%
HK$34,241
+HK$1,714/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,054/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,748 · 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).