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$15,382
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,861
−HK$486/mo
Today · 4.125%
HK$16,347
baseline
▲ 0.50% · 4.625%
HK$17,342
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,694/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,113
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,572
−HK$465/mo
Today · 4.125%
HK$18,037
baseline
▲ 0.50% · 4.625%
HK$18,988
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,074/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,459
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,033
−HK$583/mo
Today · 4.125%
HK$19,616
baseline
▲ 0.50% · 4.625%
HK$20,810
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,232/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,535
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,086
−HK$559/mo
Today · 4.125%
HK$21,645
baseline
▲ 0.50% · 4.625%
HK$22,786
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,290/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,535
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,205
−HK$681/mo
Today · 4.125%
HK$22,886
baseline
▲ 0.50% · 4.625%
HK$24,278
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,772/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,958
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,600
−HK$652/mo
Today · 4.125%
HK$25,252
baseline
▲ 0.50% · 4.625%
HK$26,583
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,504/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,688
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,549
−HK$875/mo
Today · 4.125%
HK$29,424
baseline
▲ 0.50% · 4.625%
HK$31,215
+HK$1,791/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,848/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,803
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,629
−HK$838/mo
Today · 4.125%
HK$32,467
baseline
▲ 0.50% · 4.625%
HK$34,178
+HK$1,711/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,934/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,376 · 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).