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$15,415
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,895
−HK$487/mo
Today · 4.125%
HK$16,382
baseline
▲ 0.50% · 4.625%
HK$17,379
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,764/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,149
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,609
−HK$467/mo
Today · 4.125%
HK$18,076
baseline
▲ 0.50% · 4.625%
HK$19,029
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,152/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,498
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,074
−HK$584/mo
Today · 4.125%
HK$19,658
baseline
▲ 0.50% · 4.625%
HK$20,854
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$39,316/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,579
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,131
−HK$560/mo
Today · 4.125%
HK$21,691
baseline
▲ 0.50% · 4.625%
HK$22,834
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$43,382/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,581
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,253
−HK$682/mo
Today · 4.125%
HK$22,935
baseline
▲ 0.50% · 4.625%
HK$24,330
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,870/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,009
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,653
−HK$653/mo
Today · 4.125%
HK$25,306
baseline
▲ 0.50% · 4.625%
HK$26,640
+HK$1,334/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,612/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,747
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,611
−HK$876/mo
Today · 4.125%
HK$29,487
baseline
▲ 0.50% · 4.625%
HK$31,282
+HK$1,795/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,974/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,869
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,697
−HK$839/mo
Today · 4.125%
HK$32,536
baseline
▲ 0.50% · 4.625%
HK$34,252
+HK$1,716/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,072/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,810 · 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).