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$15,431
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,911
−HK$488/mo
Today · 4.125%
HK$16,399
baseline
▲ 0.50% · 4.625%
HK$17,397
+HK$998/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,798/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,167
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,627
−HK$467/mo
Today · 4.125%
HK$18,094
baseline
▲ 0.50% · 4.625%
HK$19,048
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,188/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,517
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,093
−HK$586/mo
Today · 4.125%
HK$19,679
baseline
▲ 0.50% · 4.625%
HK$20,876
+HK$1,197/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,358/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,600
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,153
−HK$560/mo
Today · 4.125%
HK$21,713
baseline
▲ 0.50% · 4.625%
HK$22,858
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,426/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,604
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,276
−HK$682/mo
Today · 4.125%
HK$22,958
baseline
▲ 0.50% · 4.625%
HK$24,355
+HK$1,397/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,916/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,034
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,678
−HK$654/mo
Today · 4.125%
HK$25,332
baseline
▲ 0.50% · 4.625%
HK$26,668
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,664/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,776
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,640
−HK$878/mo
Today · 4.125%
HK$29,518
baseline
▲ 0.50% · 4.625%
HK$31,314
+HK$1,796/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,036/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,901
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,729
−HK$841/mo
Today · 4.125%
HK$32,570
baseline
▲ 0.50% · 4.625%
HK$34,287
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,140/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,019 · 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).