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$15,360
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,838
−HK$486/mo
Today · 4.125%
HK$16,324
baseline
▲ 0.50% · 4.625%
HK$17,317
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,648/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,088
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,546
−HK$465/mo
Today · 4.125%
HK$18,011
baseline
▲ 0.50% · 4.625%
HK$18,961
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,022/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,432
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,006
−HK$582/mo
Today · 4.125%
HK$19,588
baseline
▲ 0.50% · 4.625%
HK$20,780
+HK$1,192/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,176/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,506
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,056
−HK$558/mo
Today · 4.125%
HK$21,614
baseline
▲ 0.50% · 4.625%
HK$22,753
+HK$1,139/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,228/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,504
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,173
−HK$680/mo
Today · 4.125%
HK$22,853
baseline
▲ 0.50% · 4.625%
HK$24,243
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,706/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,923
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,565
−HK$651/mo
Today · 4.125%
HK$25,216
baseline
▲ 0.50% · 4.625%
HK$26,545
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,432/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,649
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,509
−HK$873/mo
Today · 4.125%
HK$29,382
baseline
▲ 0.50% · 4.625%
HK$31,170
+HK$1,788/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$58,764/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,759
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,584
−HK$837/mo
Today · 4.125%
HK$32,421
baseline
▲ 0.50% · 4.625%
HK$34,129
+HK$1,708/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$64,842/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,087 · 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).