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$15,427
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,907
−HK$488/mo
Today · 4.125%
HK$16,395
baseline
▲ 0.50% · 4.625%
HK$17,392
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,790/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$202,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,163
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,623
−HK$467/mo
Today · 4.125%
HK$18,090
baseline
▲ 0.50% · 4.625%
HK$19,043
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,180/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$202,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,513
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,088
−HK$585/mo
Today · 4.125%
HK$19,673
baseline
▲ 0.50% · 4.625%
HK$20,871
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,346/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,595
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,147
−HK$561/mo
Today · 4.125%
HK$21,708
baseline
▲ 0.50% · 4.625%
HK$22,852
+HK$1,144/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,416/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,598
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,270
−HK$682/mo
Today · 4.125%
HK$22,952
baseline
▲ 0.50% · 4.625%
HK$24,349
+HK$1,397/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,904/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,028
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,672
−HK$654/mo
Today · 4.125%
HK$25,326
baseline
▲ 0.50% · 4.625%
HK$26,661
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,652/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,769
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,633
−HK$877/mo
Today · 4.125%
HK$29,510
baseline
▲ 0.50% · 4.625%
HK$31,306
+HK$1,796/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,020/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$202,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,893
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,721
−HK$841/mo
Today · 4.125%
HK$32,562
baseline
▲ 0.50% · 4.625%
HK$34,278
+HK$1,716/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,124/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$202,966 · 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).