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$15,401
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,880
−HK$487/mo
Today · 4.125%
HK$16,367
baseline
▲ 0.50% · 4.625%
HK$17,362
+HK$995/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,734/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,133
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,593
−HK$466/mo
Today · 4.125%
HK$18,059
baseline
▲ 0.50% · 4.625%
HK$19,011
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,118/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,481
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,056
−HK$584/mo
Today · 4.125%
HK$19,640
baseline
▲ 0.50% · 4.625%
HK$20,835
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,280/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,560
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,111
−HK$560/mo
Today · 4.125%
HK$21,671
baseline
▲ 0.50% · 4.625%
HK$22,813
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,342/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,561
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,232
−HK$681/mo
Today · 4.125%
HK$22,913
baseline
▲ 0.50% · 4.625%
HK$24,307
+HK$1,394/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,826/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,987
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,630
−HK$652/mo
Today · 4.125%
HK$25,282
baseline
▲ 0.50% · 4.625%
HK$26,615
+HK$1,333/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,564/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,721
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,584
−HK$876/mo
Today · 4.125%
HK$29,460
baseline
▲ 0.50% · 4.625%
HK$31,252
+HK$1,792/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,920/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,840
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,667
−HK$839/mo
Today · 4.125%
HK$32,506
baseline
▲ 0.50% · 4.625%
HK$34,220
+HK$1,714/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$65,012/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,620 · 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).