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$15,371
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,850
−HK$485/mo
Today · 4.125%
HK$16,335
baseline
▲ 0.50% · 4.625%
HK$17,329
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,670/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,101
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,559
−HK$465/mo
Today · 4.125%
HK$18,024
baseline
▲ 0.50% · 4.625%
HK$18,975
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,048/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,446
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,020
−HK$582/mo
Today · 4.125%
HK$19,602
baseline
▲ 0.50% · 4.625%
HK$20,795
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,204/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,521
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,071
−HK$558/mo
Today · 4.125%
HK$21,629
baseline
▲ 0.50% · 4.625%
HK$22,769
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,258/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,520
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,189
−HK$681/mo
Today · 4.125%
HK$22,870
baseline
▲ 0.50% · 4.625%
HK$24,261
+HK$1,391/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,740/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,941
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,583
−HK$651/mo
Today · 4.125%
HK$25,234
baseline
▲ 0.50% · 4.625%
HK$26,564
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,468/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,669
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,529
−HK$875/mo
Today · 4.125%
HK$29,404
baseline
▲ 0.50% · 4.625%
HK$31,193
+HK$1,789/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,808/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,781
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,607
−HK$837/mo
Today · 4.125%
HK$32,444
baseline
▲ 0.50% · 4.625%
HK$34,154
+HK$1,710/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,888/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,234 · 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).