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$15,397
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,876
−HK$486/mo
Today · 4.125%
HK$16,362
baseline
▲ 0.50% · 4.625%
HK$17,358
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,724/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,129
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,588
−HK$466/mo
Today · 4.125%
HK$18,054
baseline
▲ 0.50% · 4.625%
HK$19,006
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,108/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,476
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,051
−HK$584/mo
Today · 4.125%
HK$19,635
baseline
▲ 0.50% · 4.625%
HK$20,830
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,270/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,555
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,106
−HK$559/mo
Today · 4.125%
HK$21,665
baseline
▲ 0.50% · 4.625%
HK$22,807
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,330/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,556
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,226
−HK$681/mo
Today · 4.125%
HK$22,907
baseline
▲ 0.50% · 4.625%
HK$24,301
+HK$1,394/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,814/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,981
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,624
−HK$652/mo
Today · 4.125%
HK$25,276
baseline
▲ 0.50% · 4.625%
HK$26,608
+HK$1,332/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,552/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,714
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,577
−HK$875/mo
Today · 4.125%
HK$29,452
baseline
▲ 0.50% · 4.625%
HK$31,245
+HK$1,793/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,904/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,832
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,659
−HK$839/mo
Today · 4.125%
HK$32,498
baseline
▲ 0.50% · 4.625%
HK$34,211
+HK$1,713/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$64,996/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,569 · 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).