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$15,395
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,874
−HK$486/mo
Today · 4.125%
HK$16,360
baseline
▲ 0.50% · 4.625%
HK$17,356
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,720/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,127
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,586
−HK$466/mo
Today · 4.125%
HK$18,052
baseline
▲ 0.50% · 4.625%
HK$19,004
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,104/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,474
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,049
−HK$583/mo
Today · 4.125%
HK$19,632
baseline
▲ 0.50% · 4.625%
HK$20,827
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,264/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,552
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,103
−HK$559/mo
Today · 4.125%
HK$21,662
baseline
▲ 0.50% · 4.625%
HK$22,804
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,324/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,553
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,223
−HK$681/mo
Today · 4.125%
HK$22,904
baseline
▲ 0.50% · 4.625%
HK$24,298
+HK$1,394/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,808/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,977
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,620
−HK$653/mo
Today · 4.125%
HK$25,273
baseline
▲ 0.50% · 4.625%
HK$26,605
+HK$1,332/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,546/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,711
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,573
−HK$876/mo
Today · 4.125%
HK$29,449
baseline
▲ 0.50% · 4.625%
HK$31,241
+HK$1,792/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,898/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,828
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,655
−HK$839/mo
Today · 4.125%
HK$32,494
baseline
▲ 0.50% · 4.625%
HK$34,206
+HK$1,712/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$64,988/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,543 · 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).