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$15,344
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,822
−HK$485/mo
Today · 4.125%
HK$16,307
baseline
▲ 0.50% · 4.625%
HK$17,299
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,614/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,070
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,528
−HK$465/mo
Today · 4.125%
HK$17,993
baseline
▲ 0.50% · 4.625%
HK$18,941
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,986/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,413
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,986
−HK$582/mo
Today · 4.125%
HK$19,568
baseline
▲ 0.50% · 4.625%
HK$20,758
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,136/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,484
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,034
−HK$557/mo
Today · 4.125%
HK$21,591
baseline
▲ 0.50% · 4.625%
HK$22,729
+HK$1,138/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,182/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,482
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,150
−HK$679/mo
Today · 4.125%
HK$22,829
baseline
▲ 0.50% · 4.625%
HK$24,218
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,658/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,899
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,539
−HK$651/mo
Today · 4.125%
HK$25,190
baseline
▲ 0.50% · 4.625%
HK$26,517
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,380/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,620
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,479
−HK$873/mo
Today · 4.125%
HK$29,352
baseline
▲ 0.50% · 4.625%
HK$31,138
+HK$1,786/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,704/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,727
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,551
−HK$836/mo
Today · 4.125%
HK$32,387
baseline
▲ 0.50% · 4.625%
HK$34,094
+HK$1,707/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,774/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,876 · 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).