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$15,367
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,845
−HK$485/mo
Today · 4.125%
HK$16,330
baseline
▲ 0.50% · 4.625%
HK$17,324
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,660/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,095
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,554
−HK$465/mo
Today · 4.125%
HK$18,019
baseline
▲ 0.50% · 4.625%
HK$18,969
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,038/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,440
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,013
−HK$583/mo
Today · 4.125%
HK$19,596
baseline
▲ 0.50% · 4.625%
HK$20,789
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,192/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,514
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,064
−HK$559/mo
Today · 4.125%
HK$21,623
baseline
▲ 0.50% · 4.625%
HK$22,762
+HK$1,139/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,246/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,513
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,182
−HK$680/mo
Today · 4.125%
HK$22,862
baseline
▲ 0.50% · 4.625%
HK$24,253
+HK$1,391/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,724/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,933
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,575
−HK$651/mo
Today · 4.125%
HK$25,226
baseline
▲ 0.50% · 4.625%
HK$26,556
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,452/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,660
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,520
−HK$874/mo
Today · 4.125%
HK$29,394
baseline
▲ 0.50% · 4.625%
HK$31,183
+HK$1,789/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,788/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,771
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,597
−HK$837/mo
Today · 4.125%
HK$32,434
baseline
▲ 0.50% · 4.625%
HK$34,143
+HK$1,709/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,868/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,170 · 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).