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$15,396
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,875
−HK$487/mo
Today · 4.125%
HK$16,362
baseline
▲ 0.50% · 4.625%
HK$17,357
+HK$995/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$202,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,128
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,587
−HK$466/mo
Today · 4.125%
HK$18,053
baseline
▲ 0.50% · 4.625%
HK$19,005
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,106/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,475
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,050
−HK$584/mo
Today · 4.125%
HK$19,634
baseline
▲ 0.50% · 4.625%
HK$20,829
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,268/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,554
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,105
−HK$559/mo
Today · 4.125%
HK$21,664
baseline
▲ 0.50% · 4.625%
HK$22,806
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,328/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,555
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,225
−HK$681/mo
Today · 4.125%
HK$22,906
baseline
▲ 0.50% · 4.625%
HK$24,300
+HK$1,394/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,812/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,979
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,622
−HK$653/mo
Today · 4.125%
HK$25,275
baseline
▲ 0.50% · 4.625%
HK$26,607
+HK$1,332/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,550/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,713
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,575
−HK$876/mo
Today · 4.125%
HK$29,451
baseline
▲ 0.50% · 4.625%
HK$31,243
+HK$1,792/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,902/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,830
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,657
−HK$839/mo
Today · 4.125%
HK$32,496
baseline
▲ 0.50% · 4.625%
HK$34,209
+HK$1,713/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$64,992/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,558 · 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).