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$15,350
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,827
−HK$486/mo
Today · 4.125%
HK$16,313
baseline
▲ 0.50% · 4.625%
HK$17,305
+HK$992/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,626/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,077
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,535
−HK$464/mo
Today · 4.125%
HK$17,999
baseline
▲ 0.50% · 4.625%
HK$18,948
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$35,998/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,420
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,993
−HK$582/mo
Today · 4.125%
HK$19,575
baseline
▲ 0.50% · 4.625%
HK$20,766
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,150/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,492
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,042
−HK$557/mo
Today · 4.125%
HK$21,599
baseline
▲ 0.50% · 4.625%
HK$22,738
+HK$1,139/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,198/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,490
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,158
−HK$680/mo
Today · 4.125%
HK$22,838
baseline
▲ 0.50% · 4.625%
HK$24,227
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,676/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,907
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,548
−HK$651/mo
Today · 4.125%
HK$25,199
baseline
▲ 0.50% · 4.625%
HK$26,527
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,398/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,630
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,489
−HK$874/mo
Today · 4.125%
HK$29,363
baseline
▲ 0.50% · 4.625%
HK$31,149
+HK$1,786/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,726/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,738
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,562
−HK$837/mo
Today · 4.125%
HK$32,399
baseline
▲ 0.50% · 4.625%
HK$34,106
+HK$1,707/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,798/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,951 · 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).