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$15,420
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,900
−HK$487/mo
Today · 4.125%
HK$16,387
baseline
▲ 0.50% · 4.625%
HK$17,384
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,774/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,155
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,615
−HK$466/mo
Today · 4.125%
HK$18,081
baseline
▲ 0.50% · 4.625%
HK$19,035
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,162/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,504
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,080
−HK$584/mo
Today · 4.125%
HK$19,664
baseline
▲ 0.50% · 4.625%
HK$20,861
+HK$1,197/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$39,328/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,586
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,138
−HK$560/mo
Today · 4.125%
HK$21,698
baseline
▲ 0.50% · 4.625%
HK$22,841
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$43,396/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,588
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,260
−HK$682/mo
Today · 4.125%
HK$22,942
baseline
▲ 0.50% · 4.625%
HK$24,338
+HK$1,396/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,884/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,016
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,661
−HK$653/mo
Today · 4.125%
HK$25,314
baseline
▲ 0.50% · 4.625%
HK$26,648
+HK$1,334/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,628/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,756
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,619
−HK$878/mo
Today · 4.125%
HK$29,497
baseline
▲ 0.50% · 4.625%
HK$31,291
+HK$1,794/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$58,994/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,878
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,706
−HK$841/mo
Today · 4.125%
HK$32,547
baseline
▲ 0.50% · 4.625%
HK$34,262
+HK$1,715/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$65,094/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,873 · 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).