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$15,369
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,847
−HK$486/mo
Today · 4.125%
HK$16,333
baseline
▲ 0.50% · 4.625%
HK$17,327
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,666/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,098
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$465/mo
Today · 4.125%
HK$18,022
baseline
▲ 0.50% · 4.625%
HK$18,972
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,044/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,443
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,017
−HK$583/mo
Today · 4.125%
HK$19,600
baseline
▲ 0.50% · 4.625%
HK$20,792
+HK$1,192/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,200/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,518
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,068
−HK$558/mo
Today · 4.125%
HK$21,626
baseline
▲ 0.50% · 4.625%
HK$22,766
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,252/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,517
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,186
−HK$680/mo
Today · 4.125%
HK$22,866
baseline
▲ 0.50% · 4.625%
HK$24,258
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,732/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,938
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,580
−HK$651/mo
Today · 4.125%
HK$25,231
baseline
▲ 0.50% · 4.625%
HK$26,561
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,462/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,665
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,525
−HK$875/mo
Today · 4.125%
HK$29,400
baseline
▲ 0.50% · 4.625%
HK$31,189
+HK$1,789/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,800/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,777
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,602
−HK$838/mo
Today · 4.125%
HK$32,440
baseline
▲ 0.50% · 4.625%
HK$34,150
+HK$1,710/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,880/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,206 · 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).