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$15,361
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,839
−HK$485/mo
Today · 4.125%
HK$16,324
baseline
▲ 0.50% · 4.625%
HK$17,317
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,648/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,089
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,547
−HK$465/mo
Today · 4.125%
HK$18,012
baseline
▲ 0.50% · 4.625%
HK$18,961
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,024/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,433
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,006
−HK$583/mo
Today · 4.125%
HK$19,589
baseline
▲ 0.50% · 4.625%
HK$20,781
+HK$1,192/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,178/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,506
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,056
−HK$558/mo
Today · 4.125%
HK$21,614
baseline
▲ 0.50% · 4.625%
HK$22,754
+HK$1,140/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,228/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,505
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,174
−HK$680/mo
Today · 4.125%
HK$22,854
baseline
▲ 0.50% · 4.625%
HK$24,244
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,708/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,924
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,566
−HK$651/mo
Today · 4.125%
HK$25,217
baseline
▲ 0.50% · 4.625%
HK$26,546
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,434/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,649
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,509
−HK$874/mo
Today · 4.125%
HK$29,383
baseline
▲ 0.50% · 4.625%
HK$31,171
+HK$1,788/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$58,766/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,760
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,585
−HK$836/mo
Today · 4.125%
HK$32,421
baseline
▲ 0.50% · 4.625%
HK$34,130
+HK$1,709/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$64,842/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,093 · 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).