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$15,413
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,892
−HK$487/mo
Today · 4.125%
HK$16,379
baseline
▲ 0.50% · 4.625%
HK$17,376
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,758/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,147
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,607
−HK$466/mo
Today · 4.125%
HK$18,073
baseline
▲ 0.50% · 4.625%
HK$19,026
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,146/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,495
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,071
−HK$584/mo
Today · 4.125%
HK$19,655
baseline
▲ 0.50% · 4.625%
HK$20,851
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$39,310/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,576
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,128
−HK$560/mo
Today · 4.125%
HK$21,688
baseline
▲ 0.50% · 4.625%
HK$22,831
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$43,376/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,578
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,249
−HK$682/mo
Today · 4.125%
HK$22,931
baseline
▲ 0.50% · 4.625%
HK$24,326
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,862/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,005
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,649
−HK$653/mo
Today · 4.125%
HK$25,302
baseline
▲ 0.50% · 4.625%
HK$26,636
+HK$1,334/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,604/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,743
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,606
−HK$877/mo
Today · 4.125%
HK$29,483
baseline
▲ 0.50% · 4.625%
HK$31,277
+HK$1,794/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,966/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,864
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,692
−HK$839/mo
Today · 4.125%
HK$32,531
baseline
▲ 0.50% · 4.625%
HK$34,246
+HK$1,715/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,062/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,779 · 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).