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$15,366
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,844
−HK$486/mo
Today · 4.125%
HK$16,330
baseline
▲ 0.50% · 4.625%
HK$17,323
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,660/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,094
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,553
−HK$465/mo
Today · 4.125%
HK$18,018
baseline
▲ 0.50% · 4.625%
HK$18,968
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,036/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,439
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,013
−HK$582/mo
Today · 4.125%
HK$19,595
baseline
▲ 0.50% · 4.625%
HK$20,788
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,190/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,513
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,063
−HK$559/mo
Today · 4.125%
HK$21,622
baseline
▲ 0.50% · 4.625%
HK$22,761
+HK$1,139/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,244/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,512
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,181
−HK$680/mo
Today · 4.125%
HK$22,861
baseline
▲ 0.50% · 4.625%
HK$24,252
+HK$1,391/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,722/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,932
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,574
−HK$651/mo
Today · 4.125%
HK$25,225
baseline
▲ 0.50% · 4.625%
HK$26,555
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,450/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,659
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,519
−HK$874/mo
Today · 4.125%
HK$29,393
baseline
▲ 0.50% · 4.625%
HK$31,182
+HK$1,789/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$58,786/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,770
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,595
−HK$837/mo
Today · 4.125%
HK$32,432
baseline
▲ 0.50% · 4.625%
HK$34,142
+HK$1,710/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$64,864/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,161 · 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).