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$15,368
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,846
−HK$486/mo
Today · 4.125%
HK$16,332
baseline
▲ 0.50% · 4.625%
HK$17,326
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,664/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,097
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,555
−HK$466/mo
Today · 4.125%
HK$18,021
baseline
▲ 0.50% · 4.625%
HK$18,970
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,042/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,442
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,015
−HK$583/mo
Today · 4.125%
HK$19,598
baseline
▲ 0.50% · 4.625%
HK$20,791
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,196/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,516
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,066
−HK$559/mo
Today · 4.125%
HK$21,625
baseline
▲ 0.50% · 4.625%
HK$22,765
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,250/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,515
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,185
−HK$680/mo
Today · 4.125%
HK$22,865
baseline
▲ 0.50% · 4.625%
HK$24,256
+HK$1,391/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,730/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,936
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,578
−HK$651/mo
Today · 4.125%
HK$25,229
baseline
▲ 0.50% · 4.625%
HK$26,559
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,458/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,663
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,523
−HK$874/mo
Today · 4.125%
HK$29,397
baseline
▲ 0.50% · 4.625%
HK$31,186
+HK$1,789/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,794/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,774
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,600
−HK$837/mo
Today · 4.125%
HK$32,437
baseline
▲ 0.50% · 4.625%
HK$34,147
+HK$1,710/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,874/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,190 · 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).