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$15,355
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,832
−HK$486/mo
Today · 4.125%
HK$16,318
baseline
▲ 0.50% · 4.625%
HK$17,310
+HK$992/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,636/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,082
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,540
−HK$465/mo
Today · 4.125%
HK$18,005
baseline
▲ 0.50% · 4.625%
HK$18,954
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,010/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,426
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,999
−HK$582/mo
Today · 4.125%
HK$19,581
baseline
▲ 0.50% · 4.625%
HK$20,772
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,162/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,498
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,048
−HK$558/mo
Today · 4.125%
HK$21,606
baseline
▲ 0.50% · 4.625%
HK$22,745
+HK$1,139/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,212/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,497
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,165
−HK$680/mo
Today · 4.125%
HK$22,845
baseline
▲ 0.50% · 4.625%
HK$24,235
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,690/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,915
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,556
−HK$651/mo
Today · 4.125%
HK$25,207
baseline
▲ 0.50% · 4.625%
HK$26,535
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,414/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,638
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,498
−HK$874/mo
Today · 4.125%
HK$29,372
baseline
▲ 0.50% · 4.625%
HK$31,159
+HK$1,787/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,744/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$202,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,747
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,572
−HK$837/mo
Today · 4.125%
HK$32,409
baseline
▲ 0.50% · 4.625%
HK$34,117
+HK$1,708/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,818/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$202,013 · 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).