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$15,422
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,902
−HK$487/mo
Today · 4.125%
HK$16,389
baseline
▲ 0.50% · 4.625%
HK$17,386
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,778/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,157
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,617
−HK$467/mo
Today · 4.125%
HK$18,084
baseline
▲ 0.50% · 4.625%
HK$19,037
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,168/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,506
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,082
−HK$585/mo
Today · 4.125%
HK$19,667
baseline
▲ 0.50% · 4.625%
HK$20,863
+HK$1,196/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,334/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,588
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,140
−HK$560/mo
Today · 4.125%
HK$21,700
baseline
▲ 0.50% · 4.625%
HK$22,844
+HK$1,144/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,400/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,591
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,262
−HK$683/mo
Today · 4.125%
HK$22,945
baseline
▲ 0.50% · 4.625%
HK$24,341
+HK$1,396/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,890/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,019
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,664
−HK$653/mo
Today · 4.125%
HK$25,317
baseline
▲ 0.50% · 4.625%
HK$26,652
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,634/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,759
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,623
−HK$877/mo
Today · 4.125%
HK$29,500
baseline
▲ 0.50% · 4.625%
HK$31,295
+HK$1,795/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$59,000/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,882
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,710
−HK$841/mo
Today · 4.125%
HK$32,551
baseline
▲ 0.50% · 4.625%
HK$34,266
+HK$1,715/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$65,102/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,897 · 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).