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$15,418
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,898
−HK$487/mo
Today · 4.125%
HK$16,385
baseline
▲ 0.50% · 4.625%
HK$17,382
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,770/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,153
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,613
−HK$467/mo
Today · 4.125%
HK$18,080
baseline
▲ 0.50% · 4.625%
HK$19,033
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,160/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,502
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,078
−HK$584/mo
Today · 4.125%
HK$19,662
baseline
▲ 0.50% · 4.625%
HK$20,859
+HK$1,197/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$39,324/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,583
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,136
−HK$560/mo
Today · 4.125%
HK$21,696
baseline
▲ 0.50% · 4.625%
HK$22,839
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$43,392/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,586
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,257
−HK$682/mo
Today · 4.125%
HK$22,939
baseline
▲ 0.50% · 4.625%
HK$24,335
+HK$1,396/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,878/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,014
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,658
−HK$653/mo
Today · 4.125%
HK$25,311
baseline
▲ 0.50% · 4.625%
HK$26,646
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,622/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,753
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,617
−HK$877/mo
Today · 4.125%
HK$29,494
baseline
▲ 0.50% · 4.625%
HK$31,288
+HK$1,794/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$58,988/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,875
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,703
−HK$840/mo
Today · 4.125%
HK$32,543
baseline
▲ 0.50% · 4.625%
HK$34,259
+HK$1,716/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$65,086/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,852 · 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).