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$15,410
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,889
−HK$487/mo
Today · 4.125%
HK$16,376
baseline
▲ 0.50% · 4.625%
HK$17,372
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,752/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,143
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,603
−HK$466/mo
Today · 4.125%
HK$18,069
baseline
▲ 0.50% · 4.625%
HK$19,022
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,138/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,491
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,067
−HK$584/mo
Today · 4.125%
HK$19,651
baseline
▲ 0.50% · 4.625%
HK$20,847
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,302/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,571
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,123
−HK$560/mo
Today · 4.125%
HK$21,683
baseline
▲ 0.50% · 4.625%
HK$22,826
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,366/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,573
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,244
−HK$682/mo
Today · 4.125%
HK$22,926
baseline
▲ 0.50% · 4.625%
HK$24,321
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,852/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,000
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,644
−HK$653/mo
Today · 4.125%
HK$25,297
baseline
▲ 0.50% · 4.625%
HK$26,630
+HK$1,333/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,594/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,737
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,600
−HK$876/mo
Today · 4.125%
HK$29,476
baseline
▲ 0.50% · 4.625%
HK$31,270
+HK$1,794/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,952/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,857
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,685
−HK$839/mo
Today · 4.125%
HK$32,524
baseline
▲ 0.50% · 4.625%
HK$34,239
+HK$1,715/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,048/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,734 · 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).