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$15,399
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,878
−HK$486/mo
Today · 4.125%
HK$16,364
baseline
▲ 0.50% · 4.625%
HK$17,360
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,728/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,131
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,590
−HK$466/mo
Today · 4.125%
HK$18,056
baseline
▲ 0.50% · 4.625%
HK$19,008
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,112/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,478
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,053
−HK$584/mo
Today · 4.125%
HK$19,637
baseline
▲ 0.50% · 4.625%
HK$20,832
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,274/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,557
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,108
−HK$559/mo
Today · 4.125%
HK$21,667
baseline
▲ 0.50% · 4.625%
HK$22,810
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,334/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,558
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,229
−HK$681/mo
Today · 4.125%
HK$22,910
baseline
▲ 0.50% · 4.625%
HK$24,304
+HK$1,394/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,820/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,983
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,626
−HK$653/mo
Today · 4.125%
HK$25,279
baseline
▲ 0.50% · 4.625%
HK$26,611
+HK$1,332/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,558/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,717
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,580
−HK$875/mo
Today · 4.125%
HK$29,455
baseline
▲ 0.50% · 4.625%
HK$31,248
+HK$1,793/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,910/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,835
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,662
−HK$839/mo
Today · 4.125%
HK$32,501
baseline
▲ 0.50% · 4.625%
HK$34,214
+HK$1,713/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$65,002/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,590 · 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).