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$15,414
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,893
−HK$488/mo
Today · 4.125%
HK$16,381
baseline
▲ 0.50% · 4.625%
HK$17,377
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,762/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,148
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,608
−HK$466/mo
Today · 4.125%
HK$18,074
baseline
▲ 0.50% · 4.625%
HK$19,027
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,148/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,497
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,072
−HK$585/mo
Today · 4.125%
HK$19,657
baseline
▲ 0.50% · 4.625%
HK$20,853
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$39,314/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,577
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,129
−HK$560/mo
Today · 4.125%
HK$21,689
baseline
▲ 0.50% · 4.625%
HK$22,832
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$43,378/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,580
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,251
−HK$682/mo
Today · 4.125%
HK$22,933
baseline
▲ 0.50% · 4.625%
HK$24,328
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,866/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,007
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,651
−HK$653/mo
Today · 4.125%
HK$25,304
baseline
▲ 0.50% · 4.625%
HK$26,638
+HK$1,334/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,608/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,745
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,608
−HK$877/mo
Today · 4.125%
HK$29,485
baseline
▲ 0.50% · 4.625%
HK$31,279
+HK$1,794/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,970/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,866
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,694
−HK$840/mo
Today · 4.125%
HK$32,534
baseline
▲ 0.50% · 4.625%
HK$34,249
+HK$1,715/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,068/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,793 · 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).