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$15,404
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,883
−HK$487/mo
Today · 4.125%
HK$16,370
baseline
▲ 0.50% · 4.625%
HK$17,366
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,740/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,137
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,597
−HK$466/mo
Today · 4.125%
HK$18,063
baseline
▲ 0.50% · 4.625%
HK$19,015
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,126/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,485
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,060
−HK$584/mo
Today · 4.125%
HK$19,644
baseline
▲ 0.50% · 4.625%
HK$20,840
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,288/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,565
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,116
−HK$560/mo
Today · 4.125%
HK$21,676
baseline
▲ 0.50% · 4.625%
HK$22,818
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,352/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,566
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,237
−HK$681/mo
Today · 4.125%
HK$22,918
baseline
▲ 0.50% · 4.625%
HK$24,313
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,836/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,992
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,635
−HK$653/mo
Today · 4.125%
HK$25,288
baseline
▲ 0.50% · 4.625%
HK$26,621
+HK$1,333/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,576/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,728
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,590
−HK$877/mo
Today · 4.125%
HK$29,467
baseline
▲ 0.50% · 4.625%
HK$31,260
+HK$1,793/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,934/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,847
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,674
−HK$839/mo
Today · 4.125%
HK$32,513
baseline
▲ 0.50% · 4.625%
HK$34,227
+HK$1,714/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,026/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,666 · 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).