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$15,380
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,858
−HK$486/mo
Today · 4.125%
HK$16,344
baseline
▲ 0.50% · 4.625%
HK$17,338
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,688/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,110
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,568
−HK$466/mo
Today · 4.125%
HK$18,034
baseline
▲ 0.50% · 4.625%
HK$18,985
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,068/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,455
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,029
−HK$584/mo
Today · 4.125%
HK$19,613
baseline
▲ 0.50% · 4.625%
HK$20,806
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,226/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,531
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,082
−HK$559/mo
Today · 4.125%
HK$21,641
baseline
▲ 0.50% · 4.625%
HK$22,781
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,282/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,531
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,201
−HK$681/mo
Today · 4.125%
HK$22,882
baseline
▲ 0.50% · 4.625%
HK$24,274
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,764/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,953
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,596
−HK$652/mo
Today · 4.125%
HK$25,248
baseline
▲ 0.50% · 4.625%
HK$26,578
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,496/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,683
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,544
−HK$875/mo
Today · 4.125%
HK$29,419
baseline
▲ 0.50% · 4.625%
HK$31,209
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,838/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,797
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,623
−HK$838/mo
Today · 4.125%
HK$32,461
baseline
▲ 0.50% · 4.625%
HK$34,172
+HK$1,711/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,922/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,340 · 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).