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$15,389
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,868
−HK$486/mo
Today · 4.125%
HK$16,354
baseline
▲ 0.50% · 4.625%
HK$17,349
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,708/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,120
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,579
−HK$466/mo
Today · 4.125%
HK$18,045
baseline
▲ 0.50% · 4.625%
HK$18,996
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,090/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,467
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,041
−HK$584/mo
Today · 4.125%
HK$19,625
baseline
▲ 0.50% · 4.625%
HK$20,819
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,250/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,544
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,095
−HK$559/mo
Today · 4.125%
HK$21,654
baseline
▲ 0.50% · 4.625%
HK$22,796
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,308/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,545
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,215
−HK$681/mo
Today · 4.125%
HK$22,896
baseline
▲ 0.50% · 4.625%
HK$24,289
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,792/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,968
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,611
−HK$652/mo
Today · 4.125%
HK$25,263
baseline
▲ 0.50% · 4.625%
HK$26,595
+HK$1,332/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,526/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,700
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,562
−HK$875/mo
Today · 4.125%
HK$29,437
baseline
▲ 0.50% · 4.625%
HK$31,229
+HK$1,792/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,874/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,816
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,643
−HK$838/mo
Today · 4.125%
HK$32,481
baseline
▲ 0.50% · 4.625%
HK$34,193
+HK$1,712/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,962/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,466 · 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).