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$15,383
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,862
−HK$486/mo
Today · 4.125%
HK$16,348
baseline
▲ 0.50% · 4.625%
HK$17,342
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,696/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,114
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,573
−HK$465/mo
Today · 4.125%
HK$18,038
baseline
▲ 0.50% · 4.625%
HK$18,989
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,076/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,460
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,034
−HK$583/mo
Today · 4.125%
HK$19,617
baseline
▲ 0.50% · 4.625%
HK$20,811
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,234/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,536
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,087
−HK$559/mo
Today · 4.125%
HK$21,646
baseline
▲ 0.50% · 4.625%
HK$22,787
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,292/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,536
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,206
−HK$681/mo
Today · 4.125%
HK$22,887
baseline
▲ 0.50% · 4.625%
HK$24,279
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,774/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,959
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,602
−HK$651/mo
Today · 4.125%
HK$25,253
baseline
▲ 0.50% · 4.625%
HK$26,585
+HK$1,332/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,506/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,690
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,551
−HK$875/mo
Today · 4.125%
HK$29,426
baseline
▲ 0.50% · 4.625%
HK$31,216
+HK$1,790/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,852/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,804
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,631
−HK$838/mo
Today · 4.125%
HK$32,469
baseline
▲ 0.50% · 4.625%
HK$34,180
+HK$1,711/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,938/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,387 · 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).