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$15,380
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,859
−HK$486/mo
Today · 4.125%
HK$16,345
baseline
▲ 0.50% · 4.625%
HK$17,339
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,690/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,110
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,569
−HK$466/mo
Today · 4.125%
HK$18,035
baseline
▲ 0.50% · 4.625%
HK$18,985
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,070/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,456
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,030
−HK$584/mo
Today · 4.125%
HK$19,614
baseline
▲ 0.50% · 4.625%
HK$20,807
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,228/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,532
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,083
−HK$559/mo
Today · 4.125%
HK$21,642
baseline
▲ 0.50% · 4.625%
HK$22,782
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,284/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,532
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,202
−HK$680/mo
Today · 4.125%
HK$22,882
baseline
▲ 0.50% · 4.625%
HK$24,275
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,764/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,954
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,597
−HK$652/mo
Today · 4.125%
HK$25,249
baseline
▲ 0.50% · 4.625%
HK$26,579
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,498/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,684
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,545
−HK$875/mo
Today · 4.125%
HK$29,420
baseline
▲ 0.50% · 4.625%
HK$31,210
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,840/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,798
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,624
−HK$838/mo
Today · 4.125%
HK$32,462
baseline
▲ 0.50% · 4.625%
HK$34,174
+HK$1,712/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,924/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,348 · 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).