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$15,411
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,890
−HK$487/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,374
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,754/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,145
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,604
−HK$467/mo
Today · 4.125%
HK$18,071
baseline
▲ 0.50% · 4.625%
HK$19,023
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,142/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,493
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,069
−HK$584/mo
Today · 4.125%
HK$19,653
baseline
▲ 0.50% · 4.625%
HK$20,849
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$39,306/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,574
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,125
−HK$560/mo
Today · 4.125%
HK$21,685
baseline
▲ 0.50% · 4.625%
HK$22,828
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$43,370/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,575
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,247
−HK$681/mo
Today · 4.125%
HK$22,928
baseline
▲ 0.50% · 4.625%
HK$24,324
+HK$1,396/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,856/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,003
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,646
−HK$653/mo
Today · 4.125%
HK$25,299
baseline
▲ 0.50% · 4.625%
HK$26,633
+HK$1,334/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,598/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,740
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,603
−HK$876/mo
Today · 4.125%
HK$29,479
baseline
▲ 0.50% · 4.625%
HK$31,273
+HK$1,794/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,958/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,860
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,688
−HK$840/mo
Today · 4.125%
HK$32,528
baseline
▲ 0.50% · 4.625%
HK$34,242
+HK$1,714/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,056/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,755 · 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).