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$15,362
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,840
−HK$485/mo
Today · 4.125%
HK$16,325
baseline
▲ 0.50% · 4.625%
HK$17,319
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,650/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,090
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,548
−HK$465/mo
Today · 4.125%
HK$18,013
baseline
▲ 0.50% · 4.625%
HK$18,963
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,026/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,434
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,008
−HK$582/mo
Today · 4.125%
HK$19,590
baseline
▲ 0.50% · 4.625%
HK$20,782
+HK$1,192/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,180/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,508
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,058
−HK$558/mo
Today · 4.125%
HK$21,616
baseline
▲ 0.50% · 4.625%
HK$22,756
+HK$1,140/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,232/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,507
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,176
−HK$680/mo
Today · 4.125%
HK$22,856
baseline
▲ 0.50% · 4.625%
HK$24,246
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,712/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,926
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,568
−HK$651/mo
Today · 4.125%
HK$25,219
baseline
▲ 0.50% · 4.625%
HK$26,548
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,438/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,652
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,512
−HK$874/mo
Today · 4.125%
HK$29,386
baseline
▲ 0.50% · 4.625%
HK$31,174
+HK$1,788/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$58,772/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,762
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,587
−HK$837/mo
Today · 4.125%
HK$32,424
baseline
▲ 0.50% · 4.625%
HK$34,133
+HK$1,709/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$64,848/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,110 · 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).