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$15,378
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,856
−HK$486/mo
Today · 4.125%
HK$16,342
baseline
▲ 0.50% · 4.625%
HK$17,336
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,684/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,107
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,566
−HK$466/mo
Today · 4.125%
HK$18,032
baseline
▲ 0.50% · 4.625%
HK$18,982
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,064/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,453
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,027
−HK$583/mo
Today · 4.125%
HK$19,610
baseline
▲ 0.50% · 4.625%
HK$20,804
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,220/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,529
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,079
−HK$559/mo
Today · 4.125%
HK$21,638
baseline
▲ 0.50% · 4.625%
HK$22,779
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,276/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,529
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,198
−HK$681/mo
Today · 4.125%
HK$22,879
baseline
▲ 0.50% · 4.625%
HK$24,271
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,758/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,950
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,593
−HK$651/mo
Today · 4.125%
HK$25,244
baseline
▲ 0.50% · 4.625%
HK$26,575
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,488/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,680
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,541
−HK$874/mo
Today · 4.125%
HK$29,415
baseline
▲ 0.50% · 4.625%
HK$31,205
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,830/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,793
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,619
−HK$838/mo
Today · 4.125%
HK$32,457
baseline
▲ 0.50% · 4.625%
HK$34,168
+HK$1,711/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,914/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,315 · 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).