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$15,426
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,906
−HK$487/mo
Today · 4.125%
HK$16,393
baseline
▲ 0.50% · 4.625%
HK$17,391
+HK$998/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,786/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$202,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,161
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,621
−HK$467/mo
Today · 4.125%
HK$18,088
baseline
▲ 0.50% · 4.625%
HK$19,042
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,176/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$202,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,511
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,087
−HK$585/mo
Today · 4.125%
HK$19,672
baseline
▲ 0.50% · 4.625%
HK$20,869
+HK$1,197/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,344/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,593
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,146
−HK$560/mo
Today · 4.125%
HK$21,706
baseline
▲ 0.50% · 4.625%
HK$22,850
+HK$1,144/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,412/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,596
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,268
−HK$682/mo
Today · 4.125%
HK$22,950
baseline
▲ 0.50% · 4.625%
HK$24,347
+HK$1,397/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,900/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,025
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,670
−HK$653/mo
Today · 4.125%
HK$25,323
baseline
▲ 0.50% · 4.625%
HK$26,658
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,646/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,766
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,630
−HK$878/mo
Today · 4.125%
HK$29,508
baseline
▲ 0.50% · 4.625%
HK$31,303
+HK$1,795/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$59,016/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,890
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,718
−HK$841/mo
Today · 4.125%
HK$32,559
baseline
▲ 0.50% · 4.625%
HK$34,275
+HK$1,716/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$65,118/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,948 · 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).