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$15,385
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,864
−HK$486/mo
Today · 4.125%
HK$16,350
baseline
▲ 0.50% · 4.625%
HK$17,345
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,700/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,116
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,575
−HK$466/mo
Today · 4.125%
HK$18,041
baseline
▲ 0.50% · 4.625%
HK$18,992
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,082/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,462
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,037
−HK$583/mo
Today · 4.125%
HK$19,620
baseline
▲ 0.50% · 4.625%
HK$20,814
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,240/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,539
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,090
−HK$559/mo
Today · 4.125%
HK$21,649
baseline
▲ 0.50% · 4.625%
HK$22,790
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,298/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,539
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,209
−HK$681/mo
Today · 4.125%
HK$22,890
baseline
▲ 0.50% · 4.625%
HK$24,283
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,780/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,962
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,605
−HK$652/mo
Today · 4.125%
HK$25,257
baseline
▲ 0.50% · 4.625%
HK$26,588
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,514/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,694
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,555
−HK$875/mo
Today · 4.125%
HK$29,430
baseline
▲ 0.50% · 4.625%
HK$31,221
+HK$1,791/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,860/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,809
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,635
−HK$838/mo
Today · 4.125%
HK$32,473
baseline
▲ 0.50% · 4.625%
HK$34,185
+HK$1,712/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,946/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,416 · 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).