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$15,375
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,854
−HK$486/mo
Today · 4.125%
HK$16,340
baseline
▲ 0.50% · 4.625%
HK$17,334
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,680/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,105
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,564
−HK$465/mo
Today · 4.125%
HK$18,029
baseline
▲ 0.50% · 4.625%
HK$18,979
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,058/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,450
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,024
−HK$583/mo
Today · 4.125%
HK$19,607
baseline
▲ 0.50% · 4.625%
HK$20,801
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,214/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,526
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,076
−HK$559/mo
Today · 4.125%
HK$21,635
baseline
▲ 0.50% · 4.625%
HK$22,775
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,270/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,526
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,195
−HK$680/mo
Today · 4.125%
HK$22,875
baseline
▲ 0.50% · 4.625%
HK$24,267
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,750/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,947
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,589
−HK$652/mo
Today · 4.125%
HK$25,241
baseline
▲ 0.50% · 4.625%
HK$26,571
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,482/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,676
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,537
−HK$874/mo
Today · 4.125%
HK$29,411
baseline
▲ 0.50% · 4.625%
HK$31,201
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,822/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,789
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,615
−HK$837/mo
Today · 4.125%
HK$32,452
baseline
▲ 0.50% · 4.625%
HK$34,163
+HK$1,711/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,904/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,286 · 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).