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$15,367
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,845
−HK$486/mo
Today · 4.125%
HK$16,331
baseline
▲ 0.50% · 4.625%
HK$17,324
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,662/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,096
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,554
−HK$465/mo
Today · 4.125%
HK$18,019
baseline
▲ 0.50% · 4.625%
HK$18,969
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,038/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,440
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,014
−HK$583/mo
Today · 4.125%
HK$19,597
baseline
▲ 0.50% · 4.625%
HK$20,789
+HK$1,192/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,194/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,515
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,065
−HK$558/mo
Today · 4.125%
HK$21,623
baseline
▲ 0.50% · 4.625%
HK$22,763
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,246/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,514
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,183
−HK$680/mo
Today · 4.125%
HK$22,863
baseline
▲ 0.50% · 4.625%
HK$24,254
+HK$1,391/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,726/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,934
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,576
−HK$651/mo
Today · 4.125%
HK$25,227
baseline
▲ 0.50% · 4.625%
HK$26,557
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,454/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,661
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,521
−HK$874/mo
Today · 4.125%
HK$29,395
baseline
▲ 0.50% · 4.625%
HK$31,184
+HK$1,789/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,790/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,772
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,597
−HK$838/mo
Today · 4.125%
HK$32,435
baseline
▲ 0.50% · 4.625%
HK$34,144
+HK$1,709/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,870/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,176 · 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).