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$15,384
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,862
−HK$486/mo
Today · 4.125%
HK$16,348
baseline
▲ 0.50% · 4.625%
HK$17,343
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,696/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,114
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,573
−HK$466/mo
Today · 4.125%
HK$18,039
baseline
▲ 0.50% · 4.625%
HK$18,990
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,078/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,461
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,035
−HK$583/mo
Today · 4.125%
HK$19,618
baseline
▲ 0.50% · 4.625%
HK$20,812
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,236/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,537
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,088
−HK$559/mo
Today · 4.125%
HK$21,647
baseline
▲ 0.50% · 4.625%
HK$22,788
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,294/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,537
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,207
−HK$681/mo
Today · 4.125%
HK$22,888
baseline
▲ 0.50% · 4.625%
HK$24,281
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,776/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,960
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,603
−HK$651/mo
Today · 4.125%
HK$25,254
baseline
▲ 0.50% · 4.625%
HK$26,586
+HK$1,332/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,508/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,691
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,552
−HK$875/mo
Today · 4.125%
HK$29,427
baseline
▲ 0.50% · 4.625%
HK$31,218
+HK$1,791/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,854/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,806
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,632
−HK$838/mo
Today · 4.125%
HK$32,470
baseline
▲ 0.50% · 4.625%
HK$34,182
+HK$1,712/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,940/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,396 · 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).