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$15,417
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,897
−HK$487/mo
Today · 4.125%
HK$16,384
baseline
▲ 0.50% · 4.625%
HK$17,381
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,768/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,151
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,611
−HK$467/mo
Today · 4.125%
HK$18,078
baseline
▲ 0.50% · 4.625%
HK$19,031
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,156/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,501
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,076
−HK$585/mo
Today · 4.125%
HK$19,661
baseline
▲ 0.50% · 4.625%
HK$20,857
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$39,322/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,582
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,134
−HK$560/mo
Today · 4.125%
HK$21,694
baseline
▲ 0.50% · 4.625%
HK$22,837
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$43,388/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,584
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,255
−HK$682/mo
Today · 4.125%
HK$22,937
baseline
▲ 0.50% · 4.625%
HK$24,333
+HK$1,396/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,874/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,012
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,656
−HK$653/mo
Today · 4.125%
HK$25,309
baseline
▲ 0.50% · 4.625%
HK$26,643
+HK$1,334/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,618/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,751
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,614
−HK$877/mo
Today · 4.125%
HK$29,491
baseline
▲ 0.50% · 4.625%
HK$31,286
+HK$1,795/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$58,982/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,873
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,700
−HK$840/mo
Today · 4.125%
HK$32,540
baseline
▲ 0.50% · 4.625%
HK$34,256
+HK$1,716/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$65,080/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,835 · 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).