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$15,352
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,829
−HK$485/mo
Today · 4.125%
HK$16,314
baseline
▲ 0.50% · 4.625%
HK$17,307
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,628/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,078
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,536
−HK$465/mo
Today · 4.125%
HK$18,001
baseline
▲ 0.50% · 4.625%
HK$18,950
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,002/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,422
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,995
−HK$582/mo
Today · 4.125%
HK$19,577
baseline
▲ 0.50% · 4.625%
HK$20,768
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,154/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,494
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,044
−HK$557/mo
Today · 4.125%
HK$21,601
baseline
▲ 0.50% · 4.625%
HK$22,740
+HK$1,139/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,202/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,492
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,161
−HK$679/mo
Today · 4.125%
HK$22,840
baseline
▲ 0.50% · 4.625%
HK$24,230
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,680/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,910
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,551
−HK$651/mo
Today · 4.125%
HK$25,202
baseline
▲ 0.50% · 4.625%
HK$26,530
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,404/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,633
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,492
−HK$874/mo
Today · 4.125%
HK$29,366
baseline
▲ 0.50% · 4.625%
HK$31,152
+HK$1,786/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,732/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,741
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,566
−HK$836/mo
Today · 4.125%
HK$32,402
baseline
▲ 0.50% · 4.625%
HK$34,110
+HK$1,708/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,804/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,972 · 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).