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$15,430
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,910
−HK$488/mo
Today · 4.125%
HK$16,398
baseline
▲ 0.50% · 4.625%
HK$17,396
+HK$998/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,796/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,166
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,626
−HK$467/mo
Today · 4.125%
HK$18,093
baseline
▲ 0.50% · 4.625%
HK$19,047
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,186/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,516
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,092
−HK$585/mo
Today · 4.125%
HK$19,677
baseline
▲ 0.50% · 4.625%
HK$20,875
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,354/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,599
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,152
−HK$560/mo
Today · 4.125%
HK$21,712
baseline
▲ 0.50% · 4.625%
HK$22,856
+HK$1,144/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,424/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,602
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,274
−HK$683/mo
Today · 4.125%
HK$22,957
baseline
▲ 0.50% · 4.625%
HK$24,354
+HK$1,397/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,914/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,032
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,677
−HK$654/mo
Today · 4.125%
HK$25,331
baseline
▲ 0.50% · 4.625%
HK$26,666
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,662/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,774
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,638
−HK$878/mo
Today · 4.125%
HK$29,516
baseline
▲ 0.50% · 4.625%
HK$31,312
+HK$1,796/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,032/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,899
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,727
−HK$841/mo
Today · 4.125%
HK$32,568
baseline
▲ 0.50% · 4.625%
HK$34,285
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,136/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,006 · 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).