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$15,351
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,828
−HK$485/mo
Today · 4.125%
HK$16,313
baseline
▲ 0.50% · 4.625%
HK$17,306
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,626/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,078
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,536
−HK$464/mo
Today · 4.125%
HK$18,000
baseline
▲ 0.50% · 4.625%
HK$18,949
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,000/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,421
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,994
−HK$582/mo
Today · 4.125%
HK$19,576
baseline
▲ 0.50% · 4.625%
HK$20,767
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,152/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,493
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,043
−HK$557/mo
Today · 4.125%
HK$21,600
baseline
▲ 0.50% · 4.625%
HK$22,739
+HK$1,139/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,200/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,491
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,160
−HK$679/mo
Today · 4.125%
HK$22,839
baseline
▲ 0.50% · 4.625%
HK$24,228
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,678/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,909
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,550
−HK$650/mo
Today · 4.125%
HK$25,200
baseline
▲ 0.50% · 4.625%
HK$26,529
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,400/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,631
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,491
−HK$873/mo
Today · 4.125%
HK$29,364
baseline
▲ 0.50% · 4.625%
HK$31,151
+HK$1,787/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,728/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,740
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,564
−HK$836/mo
Today · 4.125%
HK$32,400
baseline
▲ 0.50% · 4.625%
HK$34,108
+HK$1,708/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,800/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,961 · 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).