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$15,409
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,888
−HK$487/mo
Today · 4.125%
HK$16,375
baseline
▲ 0.50% · 4.625%
HK$17,371
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,750/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,142
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,602
−HK$466/mo
Today · 4.125%
HK$18,068
baseline
▲ 0.50% · 4.625%
HK$19,021
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,136/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,490
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,066
−HK$584/mo
Today · 4.125%
HK$19,650
baseline
▲ 0.50% · 4.625%
HK$20,846
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,300/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,570
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,122
−HK$560/mo
Today · 4.125%
HK$21,682
baseline
▲ 0.50% · 4.625%
HK$22,825
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,364/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,572
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,243
−HK$682/mo
Today · 4.125%
HK$22,925
baseline
▲ 0.50% · 4.625%
HK$24,320
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,850/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,999
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,642
−HK$653/mo
Today · 4.125%
HK$25,295
baseline
▲ 0.50% · 4.625%
HK$26,629
+HK$1,334/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,590/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,736
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,598
−HK$877/mo
Today · 4.125%
HK$29,475
baseline
▲ 0.50% · 4.625%
HK$31,268
+HK$1,793/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,950/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,856
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,683
−HK$840/mo
Today · 4.125%
HK$32,523
baseline
▲ 0.50% · 4.625%
HK$34,237
+HK$1,714/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,046/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,724 · 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).