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$15,385
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,863
−HK$486/mo
Today · 4.125%
HK$16,349
baseline
▲ 0.50% · 4.625%
HK$17,344
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,698/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,115
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,574
−HK$466/mo
Today · 4.125%
HK$18,040
baseline
▲ 0.50% · 4.625%
HK$18,991
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,080/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,462
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,036
−HK$583/mo
Today · 4.125%
HK$19,619
baseline
▲ 0.50% · 4.625%
HK$20,813
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,238/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,538
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,089
−HK$559/mo
Today · 4.125%
HK$21,648
baseline
▲ 0.50% · 4.625%
HK$22,789
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,296/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,539
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,209
−HK$680/mo
Today · 4.125%
HK$22,889
baseline
▲ 0.50% · 4.625%
HK$24,282
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,778/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,961
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,604
−HK$652/mo
Today · 4.125%
HK$25,256
baseline
▲ 0.50% · 4.625%
HK$26,587
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,512/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,692
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,554
−HK$875/mo
Today · 4.125%
HK$29,429
baseline
▲ 0.50% · 4.625%
HK$31,220
+HK$1,791/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,858/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,808
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,634
−HK$838/mo
Today · 4.125%
HK$32,472
baseline
▲ 0.50% · 4.625%
HK$34,184
+HK$1,712/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,944/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,408 · 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).