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$15,375
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,853
−HK$486/mo
Today · 4.125%
HK$16,339
baseline
▲ 0.50% · 4.625%
HK$17,333
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,678/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,105
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,563
−HK$466/mo
Today · 4.125%
HK$18,029
baseline
▲ 0.50% · 4.625%
HK$18,979
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,058/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,450
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,024
−HK$583/mo
Today · 4.125%
HK$19,607
baseline
▲ 0.50% · 4.625%
HK$20,800
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,214/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,526
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,076
−HK$558/mo
Today · 4.125%
HK$21,634
baseline
▲ 0.50% · 4.625%
HK$22,775
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,268/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,525
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,195
−HK$680/mo
Today · 4.125%
HK$22,875
baseline
▲ 0.50% · 4.625%
HK$24,267
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,750/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,946
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,589
−HK$651/mo
Today · 4.125%
HK$25,240
baseline
▲ 0.50% · 4.625%
HK$26,571
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,480/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,675
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,536
−HK$875/mo
Today · 4.125%
HK$29,411
baseline
▲ 0.50% · 4.625%
HK$31,200
+HK$1,789/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,822/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,788
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,614
−HK$838/mo
Today · 4.125%
HK$32,452
baseline
▲ 0.50% · 4.625%
HK$34,162
+HK$1,710/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,904/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,281 · 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).