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$15,349
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,826
−HK$485/mo
Today · 4.125%
HK$16,311
baseline
▲ 0.50% · 4.625%
HK$17,304
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,622/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,075
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,533
−HK$465/mo
Today · 4.125%
HK$17,998
baseline
▲ 0.50% · 4.625%
HK$18,947
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$35,996/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,419
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,991
−HK$583/mo
Today · 4.125%
HK$19,574
baseline
▲ 0.50% · 4.625%
HK$20,765
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,148/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,490
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,040
−HK$557/mo
Today · 4.125%
HK$21,597
baseline
▲ 0.50% · 4.625%
HK$22,736
+HK$1,139/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,194/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,488
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,157
−HK$679/mo
Today · 4.125%
HK$22,836
baseline
▲ 0.50% · 4.625%
HK$24,225
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,672/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,905
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,547
−HK$650/mo
Today · 4.125%
HK$25,197
baseline
▲ 0.50% · 4.625%
HK$26,525
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,394/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,628
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,487
−HK$873/mo
Today · 4.125%
HK$29,360
baseline
▲ 0.50% · 4.625%
HK$31,147
+HK$1,787/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,720/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,736
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,560
−HK$836/mo
Today · 4.125%
HK$32,396
baseline
▲ 0.50% · 4.625%
HK$34,104
+HK$1,708/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,792/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,935 · 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).