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$15,365
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,843
−HK$485/mo
Today · 4.125%
HK$16,328
baseline
▲ 0.50% · 4.625%
HK$17,322
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,656/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,093
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,551
−HK$466/mo
Today · 4.125%
HK$18,017
baseline
▲ 0.50% · 4.625%
HK$18,966
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,034/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,438
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,011
−HK$583/mo
Today · 4.125%
HK$19,594
baseline
▲ 0.50% · 4.625%
HK$20,786
+HK$1,192/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,188/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,512
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,062
−HK$558/mo
Today · 4.125%
HK$21,620
baseline
▲ 0.50% · 4.625%
HK$22,759
+HK$1,139/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,240/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,511
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,180
−HK$679/mo
Today · 4.125%
HK$22,859
baseline
▲ 0.50% · 4.625%
HK$24,250
+HK$1,391/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,718/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,930
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,572
−HK$651/mo
Today · 4.125%
HK$25,223
baseline
▲ 0.50% · 4.625%
HK$26,553
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,446/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,656
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,517
−HK$874/mo
Today · 4.125%
HK$29,391
baseline
▲ 0.50% · 4.625%
HK$31,179
+HK$1,788/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$58,782/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,767
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,593
−HK$837/mo
Today · 4.125%
HK$32,430
baseline
▲ 0.50% · 4.625%
HK$34,139
+HK$1,709/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$64,860/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,144 · 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).