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$15,405
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,885
−HK$487/mo
Today · 4.125%
HK$16,372
baseline
▲ 0.50% · 4.625%
HK$17,368
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,744/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,138
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,598
−HK$466/mo
Today · 4.125%
HK$18,064
baseline
▲ 0.50% · 4.625%
HK$19,017
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,128/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,487
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,062
−HK$584/mo
Today · 4.125%
HK$19,646
baseline
▲ 0.50% · 4.625%
HK$20,841
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,292/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,566
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,118
−HK$559/mo
Today · 4.125%
HK$21,677
baseline
▲ 0.50% · 4.625%
HK$22,820
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,354/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,568
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,239
−HK$681/mo
Today · 4.125%
HK$22,920
baseline
▲ 0.50% · 4.625%
HK$24,315
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,840/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,994
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,637
−HK$653/mo
Today · 4.125%
HK$25,290
baseline
▲ 0.50% · 4.625%
HK$26,623
+HK$1,333/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,580/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,730
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,592
−HK$877/mo
Today · 4.125%
HK$29,469
baseline
▲ 0.50% · 4.625%
HK$31,262
+HK$1,793/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,938/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,849
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,677
−HK$839/mo
Today · 4.125%
HK$32,516
baseline
▲ 0.50% · 4.625%
HK$34,230
+HK$1,714/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,032/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,682 · 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).