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$15,373
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,851
−HK$486/mo
Today · 4.125%
HK$16,337
baseline
▲ 0.50% · 4.625%
HK$17,331
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,674/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,103
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,561
−HK$466/mo
Today · 4.125%
HK$18,027
baseline
▲ 0.50% · 4.625%
HK$18,977
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,054/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,448
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,022
−HK$583/mo
Today · 4.125%
HK$19,605
baseline
▲ 0.50% · 4.625%
HK$20,798
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,210/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,523
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,074
−HK$558/mo
Today · 4.125%
HK$21,632
baseline
▲ 0.50% · 4.625%
HK$22,772
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,264/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,523
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,192
−HK$680/mo
Today · 4.125%
HK$22,872
baseline
▲ 0.50% · 4.625%
HK$24,264
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,744/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,944
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,586
−HK$651/mo
Today · 4.125%
HK$25,237
baseline
▲ 0.50% · 4.625%
HK$26,568
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,474/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,672
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,533
−HK$874/mo
Today · 4.125%
HK$29,407
baseline
▲ 0.50% · 4.625%
HK$31,197
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,814/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,785
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,610
−HK$838/mo
Today · 4.125%
HK$32,448
baseline
▲ 0.50% · 4.625%
HK$34,158
+HK$1,710/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,896/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,258 · 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).