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$15,388
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,867
−HK$486/mo
Today · 4.125%
HK$16,353
baseline
▲ 0.50% · 4.625%
HK$17,348
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,706/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,119
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,578
−HK$466/mo
Today · 4.125%
HK$18,044
baseline
▲ 0.50% · 4.625%
HK$18,995
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,088/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,466
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,040
−HK$584/mo
Today · 4.125%
HK$19,624
baseline
▲ 0.50% · 4.625%
HK$20,818
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,248/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,543
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,094
−HK$559/mo
Today · 4.125%
HK$21,653
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,306/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,544
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,214
−HK$681/mo
Today · 4.125%
HK$22,895
baseline
▲ 0.50% · 4.625%
HK$24,288
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,790/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,967
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,610
−HK$652/mo
Today · 4.125%
HK$25,262
baseline
▲ 0.50% · 4.625%
HK$26,593
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,524/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,699
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,560
−HK$876/mo
Today · 4.125%
HK$29,436
baseline
▲ 0.50% · 4.625%
HK$31,227
+HK$1,791/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,872/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,815
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,641
−HK$839/mo
Today · 4.125%
HK$32,480
baseline
▲ 0.50% · 4.625%
HK$34,192
+HK$1,712/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,960/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,455 · 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).