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$15,399
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,878
−HK$487/mo
Today · 4.125%
HK$16,365
baseline
▲ 0.50% · 4.625%
HK$17,361
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,730/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,132
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,591
−HK$466/mo
Today · 4.125%
HK$18,057
baseline
▲ 0.50% · 4.625%
HK$19,009
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,114/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,479
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,054
−HK$584/mo
Today · 4.125%
HK$19,638
baseline
▲ 0.50% · 4.625%
HK$20,833
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,276/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,558
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,109
−HK$560/mo
Today · 4.125%
HK$21,669
baseline
▲ 0.50% · 4.625%
HK$22,811
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,338/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,559
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,230
−HK$681/mo
Today · 4.125%
HK$22,911
baseline
▲ 0.50% · 4.625%
HK$24,305
+HK$1,394/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,822/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,984
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,628
−HK$652/mo
Today · 4.125%
HK$25,280
baseline
▲ 0.50% · 4.625%
HK$26,613
+HK$1,333/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,560/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,719
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,581
−HK$876/mo
Today · 4.125%
HK$29,457
baseline
▲ 0.50% · 4.625%
HK$31,249
+HK$1,792/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,914/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,837
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,664
−HK$839/mo
Today · 4.125%
HK$32,503
baseline
▲ 0.50% · 4.625%
HK$34,216
+HK$1,713/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$65,006/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,601 · 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).