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$15,431
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,911
−HK$488/mo
Today · 4.125%
HK$16,399
baseline
▲ 0.50% · 4.625%
HK$17,396
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,798/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,167
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,627
−HK$467/mo
Today · 4.125%
HK$18,094
baseline
▲ 0.50% · 4.625%
HK$19,048
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,188/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,517
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,093
−HK$585/mo
Today · 4.125%
HK$19,678
baseline
▲ 0.50% · 4.625%
HK$20,876
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,356/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,600
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,153
−HK$560/mo
Today · 4.125%
HK$21,713
baseline
▲ 0.50% · 4.625%
HK$22,857
+HK$1,144/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,426/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,603
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,275
−HK$683/mo
Today · 4.125%
HK$22,958
baseline
▲ 0.50% · 4.625%
HK$24,355
+HK$1,397/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,916/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,033
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,678
−HK$654/mo
Today · 4.125%
HK$25,332
baseline
▲ 0.50% · 4.625%
HK$26,667
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,664/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,776
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,640
−HK$877/mo
Today · 4.125%
HK$29,517
baseline
▲ 0.50% · 4.625%
HK$31,313
+HK$1,796/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,034/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,900
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,729
−HK$840/mo
Today · 4.125%
HK$32,569
baseline
▲ 0.50% · 4.625%
HK$34,286
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,138/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,015 · 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).