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$15,374
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,852
−HK$486/mo
Today · 4.125%
HK$16,338
baseline
▲ 0.50% · 4.625%
HK$17,332
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,676/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,104
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,562
−HK$466/mo
Today · 4.125%
HK$18,028
baseline
▲ 0.50% · 4.625%
HK$18,978
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,056/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,449
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,023
−HK$583/mo
Today · 4.125%
HK$19,606
baseline
▲ 0.50% · 4.625%
HK$20,799
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,212/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,524
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,075
−HK$558/mo
Today · 4.125%
HK$21,633
baseline
▲ 0.50% · 4.625%
HK$22,774
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,266/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,524
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,193
−HK$681/mo
Today · 4.125%
HK$22,874
baseline
▲ 0.50% · 4.625%
HK$24,265
+HK$1,391/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,748/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,945
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,587
−HK$652/mo
Today · 4.125%
HK$25,239
baseline
▲ 0.50% · 4.625%
HK$26,569
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,478/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,674
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,534
−HK$875/mo
Today · 4.125%
HK$29,409
baseline
▲ 0.50% · 4.625%
HK$31,198
+HK$1,789/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,818/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,786
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,612
−HK$838/mo
Today · 4.125%
HK$32,450
baseline
▲ 0.50% · 4.625%
HK$34,160
+HK$1,710/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,900/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,269 · 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).