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$15,354
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,831
−HK$485/mo
Today · 4.125%
HK$16,316
baseline
▲ 0.50% · 4.625%
HK$17,309
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,632/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,081
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,539
−HK$464/mo
Today · 4.125%
HK$18,003
baseline
▲ 0.50% · 4.625%
HK$18,952
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,006/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,424
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$18,997
−HK$583/mo
Today · 4.125%
HK$19,580
baseline
▲ 0.50% · 4.625%
HK$20,771
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,160/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$201,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,497
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,046
−HK$558/mo
Today · 4.125%
HK$21,604
baseline
▲ 0.50% · 4.625%
HK$22,743
+HK$1,139/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,208/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$201,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,495
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,164
−HK$679/mo
Today · 4.125%
HK$22,843
baseline
▲ 0.50% · 4.625%
HK$24,233
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,686/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,913
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,554
−HK$651/mo
Today · 4.125%
HK$25,205
baseline
▲ 0.50% · 4.625%
HK$26,533
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,410/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,636
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,496
−HK$873/mo
Today · 4.125%
HK$29,369
baseline
▲ 0.50% · 4.625%
HK$31,156
+HK$1,787/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,738/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,745
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,570
−HK$836/mo
Today · 4.125%
HK$32,406
baseline
▲ 0.50% · 4.625%
HK$34,114
+HK$1,708/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,812/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,998 · 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).