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$15,402
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,881
−HK$487/mo
Today · 4.125%
HK$16,368
baseline
▲ 0.50% · 4.625%
HK$17,364
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,736/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,135
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,594
−HK$466/mo
Today · 4.125%
HK$18,060
baseline
▲ 0.50% · 4.625%
HK$19,012
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,120/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,482
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,057
−HK$585/mo
Today · 4.125%
HK$19,642
baseline
▲ 0.50% · 4.625%
HK$20,837
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,284/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,562
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,113
−HK$559/mo
Today · 4.125%
HK$21,672
baseline
▲ 0.50% · 4.625%
HK$22,815
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,344/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,563
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,234
−HK$681/mo
Today · 4.125%
HK$22,915
baseline
▲ 0.50% · 4.625%
HK$24,309
+HK$1,394/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,830/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,989
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,632
−HK$653/mo
Today · 4.125%
HK$25,285
baseline
▲ 0.50% · 4.625%
HK$26,617
+HK$1,332/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,570/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,724
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,586
−HK$876/mo
Today · 4.125%
HK$29,462
baseline
▲ 0.50% · 4.625%
HK$31,255
+HK$1,793/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,924/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,842
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,670
−HK$839/mo
Today · 4.125%
HK$32,509
baseline
▲ 0.50% · 4.625%
HK$34,222
+HK$1,713/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$65,018/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,637 · 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).