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$15,378
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,857
−HK$486/mo
Today · 4.125%
HK$16,343
baseline
▲ 0.50% · 4.625%
HK$17,337
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,686/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,108
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,567
−HK$466/mo
Today · 4.125%
HK$18,033
baseline
▲ 0.50% · 4.625%
HK$18,983
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,066/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,454
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,028
−HK$583/mo
Today · 4.125%
HK$19,611
baseline
▲ 0.50% · 4.625%
HK$20,805
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,222/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,530
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,081
−HK$558/mo
Today · 4.125%
HK$21,639
baseline
▲ 0.50% · 4.625%
HK$22,780
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,278/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,530
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,199
−HK$681/mo
Today · 4.125%
HK$22,880
baseline
▲ 0.50% · 4.625%
HK$24,272
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,760/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,952
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,594
−HK$652/mo
Today · 4.125%
HK$25,246
baseline
▲ 0.50% · 4.625%
HK$26,576
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,492/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,681
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,542
−HK$875/mo
Today · 4.125%
HK$29,417
baseline
▲ 0.50% · 4.625%
HK$31,207
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,834/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,795
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,621
−HK$838/mo
Today · 4.125%
HK$32,459
baseline
▲ 0.50% · 4.625%
HK$34,170
+HK$1,711/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,918/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,325 · 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).