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$15,405
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,884
−HK$487/mo
Today · 4.125%
HK$16,371
baseline
▲ 0.50% · 4.625%
HK$17,367
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,742/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,138
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,597
−HK$467/mo
Today · 4.125%
HK$18,064
baseline
▲ 0.50% · 4.625%
HK$19,016
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,128/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,486
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,061
−HK$584/mo
Today · 4.125%
HK$19,645
baseline
▲ 0.50% · 4.625%
HK$20,840
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,290/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,565
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,117
−HK$559/mo
Today · 4.125%
HK$21,676
baseline
▲ 0.50% · 4.625%
HK$22,819
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,352/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,567
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,238
−HK$681/mo
Today · 4.125%
HK$22,919
baseline
▲ 0.50% · 4.625%
HK$24,314
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,838/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,993
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,636
−HK$653/mo
Today · 4.125%
HK$25,289
baseline
▲ 0.50% · 4.625%
HK$26,622
+HK$1,333/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,578/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,729
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,591
−HK$877/mo
Today · 4.125%
HK$29,468
baseline
▲ 0.50% · 4.625%
HK$31,261
+HK$1,793/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,936/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,848
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,675
−HK$840/mo
Today · 4.125%
HK$32,515
baseline
▲ 0.50% · 4.625%
HK$34,228
+HK$1,713/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,030/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,673 · 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).