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$15,388
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,866
−HK$487/mo
Today · 4.125%
HK$16,353
baseline
▲ 0.50% · 4.625%
HK$17,348
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,706/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,119
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,578
−HK$466/mo
Today · 4.125%
HK$18,044
baseline
▲ 0.50% · 4.625%
HK$18,995
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,088/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,465
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,040
−HK$583/mo
Today · 4.125%
HK$19,623
baseline
▲ 0.50% · 4.625%
HK$20,817
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,246/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,542
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,093
−HK$559/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,543
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,213
−HK$681/mo
Today · 4.125%
HK$22,894
baseline
▲ 0.50% · 4.625%
HK$24,287
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,788/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,966
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,609
−HK$652/mo
Today · 4.125%
HK$25,261
baseline
▲ 0.50% · 4.625%
HK$26,592
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,522/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,698
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,559
−HK$876/mo
Today · 4.125%
HK$29,435
baseline
▲ 0.50% · 4.625%
HK$31,226
+HK$1,791/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,870/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,814
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,640
−HK$838/mo
Today · 4.125%
HK$32,478
baseline
▲ 0.50% · 4.625%
HK$34,190
+HK$1,712/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,956/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,447 · 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).