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$15,429
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,909
−HK$488/mo
Today · 4.125%
HK$16,397
baseline
▲ 0.50% · 4.625%
HK$17,395
+HK$998/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,794/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$202,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,165
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,625
−HK$467/mo
Today · 4.125%
HK$18,092
baseline
▲ 0.50% · 4.625%
HK$19,046
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,184/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$202,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,515
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,091
−HK$585/mo
Today · 4.125%
HK$19,676
baseline
▲ 0.50% · 4.625%
HK$20,874
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,352/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,598
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,150
−HK$561/mo
Today · 4.125%
HK$21,711
baseline
▲ 0.50% · 4.625%
HK$22,855
+HK$1,144/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,422/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,601
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,273
−HK$683/mo
Today · 4.125%
HK$22,956
baseline
▲ 0.50% · 4.625%
HK$24,352
+HK$1,396/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,912/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,031
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,675
−HK$654/mo
Today · 4.125%
HK$25,329
baseline
▲ 0.50% · 4.625%
HK$26,664
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,658/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,773
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,637
−HK$877/mo
Today · 4.125%
HK$29,514
baseline
▲ 0.50% · 4.625%
HK$31,310
+HK$1,796/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,028/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$202,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,897
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,726
−HK$840/mo
Today · 4.125%
HK$32,566
baseline
▲ 0.50% · 4.625%
HK$34,283
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,132/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$202,995 · 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).