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$15,408
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,887
−HK$487/mo
Today · 4.125%
HK$16,374
baseline
▲ 0.50% · 4.625%
HK$17,370
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,748/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,141
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,600
−HK$467/mo
Today · 4.125%
HK$18,067
baseline
▲ 0.50% · 4.625%
HK$19,019
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,134/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,489
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,064
−HK$585/mo
Today · 4.125%
HK$19,649
baseline
▲ 0.50% · 4.625%
HK$20,844
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,298/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,569
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,121
−HK$559/mo
Today · 4.125%
HK$21,680
baseline
▲ 0.50% · 4.625%
HK$22,823
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,360/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,571
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,242
−HK$681/mo
Today · 4.125%
HK$22,923
baseline
▲ 0.50% · 4.625%
HK$24,318
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,846/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,997
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,641
−HK$653/mo
Today · 4.125%
HK$25,294
baseline
▲ 0.50% · 4.625%
HK$26,627
+HK$1,333/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,588/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,734
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,596
−HK$877/mo
Today · 4.125%
HK$29,473
baseline
▲ 0.50% · 4.625%
HK$31,266
+HK$1,793/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,946/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,853
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,681
−HK$839/mo
Today · 4.125%
HK$32,520
baseline
▲ 0.50% · 4.625%
HK$34,234
+HK$1,714/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,040/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,709 · 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).