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$15,390
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,869
−HK$486/mo
Today · 4.125%
HK$16,355
baseline
▲ 0.50% · 4.625%
HK$17,351
+HK$996/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,710/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,122
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,581
−HK$466/mo
Today · 4.125%
HK$18,047
baseline
▲ 0.50% · 4.625%
HK$18,998
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,094/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,468
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,043
−HK$584/mo
Today · 4.125%
HK$19,627
baseline
▲ 0.50% · 4.625%
HK$20,821
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,254/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,546
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,097
−HK$559/mo
Today · 4.125%
HK$21,656
baseline
▲ 0.50% · 4.625%
HK$22,798
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,312/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,547
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,217
−HK$681/mo
Today · 4.125%
HK$22,898
baseline
▲ 0.50% · 4.625%
HK$24,291
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,796/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,970
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,613
−HK$652/mo
Today · 4.125%
HK$25,265
baseline
▲ 0.50% · 4.625%
HK$26,597
+HK$1,332/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,530/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,703
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,564
−HK$876/mo
Today · 4.125%
HK$29,440
baseline
▲ 0.50% · 4.625%
HK$31,231
+HK$1,791/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,880/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,819
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,646
−HK$838/mo
Today · 4.125%
HK$32,484
baseline
▲ 0.50% · 4.625%
HK$34,196
+HK$1,712/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,968/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,483 · 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).