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$15,351
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,828
−HK$485/mo
Today · 4.125%
HK$16,313
baseline
▲ 0.50% · 4.625%
HK$17,306
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,626/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,077
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,535
−HK$465/mo
Today · 4.125%
HK$18,000
baseline
▲ 0.50% · 4.625%
HK$18,949
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,000/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,421
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,994
−HK$582/mo
Today · 4.125%
HK$19,576
baseline
▲ 0.50% · 4.625%
HK$20,767
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,152/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,493
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,042
−HK$558/mo
Today · 4.125%
HK$21,600
baseline
▲ 0.50% · 4.625%
HK$22,738
+HK$1,138/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,200/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,491
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,159
−HK$679/mo
Today · 4.125%
HK$22,838
baseline
▲ 0.50% · 4.625%
HK$24,228
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,676/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,908
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,549
−HK$651/mo
Today · 4.125%
HK$25,200
baseline
▲ 0.50% · 4.625%
HK$26,528
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,400/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,631
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,490
−HK$874/mo
Today · 4.125%
HK$29,364
baseline
▲ 0.50% · 4.625%
HK$31,150
+HK$1,786/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,728/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,739
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,564
−HK$836/mo
Today · 4.125%
HK$32,400
baseline
▲ 0.50% · 4.625%
HK$34,108
+HK$1,708/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,800/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,958 · 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).