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$15,394
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,873
−HK$487/mo
Today · 4.125%
HK$16,360
baseline
▲ 0.50% · 4.625%
HK$17,355
+HK$995/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,720/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,126
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,585
−HK$466/mo
Today · 4.125%
HK$18,051
baseline
▲ 0.50% · 4.625%
HK$19,003
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,102/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,473
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,048
−HK$584/mo
Today · 4.125%
HK$19,632
baseline
▲ 0.50% · 4.625%
HK$20,826
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,264/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,551
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,103
−HK$559/mo
Today · 4.125%
HK$21,662
baseline
▲ 0.50% · 4.625%
HK$22,803
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,324/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,552
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,223
−HK$681/mo
Today · 4.125%
HK$22,904
baseline
▲ 0.50% · 4.625%
HK$24,297
+HK$1,393/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,808/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,977
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,620
−HK$652/mo
Today · 4.125%
HK$25,272
baseline
▲ 0.50% · 4.625%
HK$26,604
+HK$1,332/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,544/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,710
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,572
−HK$876/mo
Today · 4.125%
HK$29,448
baseline
▲ 0.50% · 4.625%
HK$31,239
+HK$1,791/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,896/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,827
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,654
−HK$838/mo
Today · 4.125%
HK$32,492
baseline
▲ 0.50% · 4.625%
HK$34,205
+HK$1,713/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$64,984/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,536 · 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).