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$966/mo
▼ 0.25% · 3.875%
HK$15,896
−HK$487/mo
Today · 4.125%
HK$16,383
baseline
▲ 0.50% · 4.625%
HK$17,380
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,766/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,151
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,611
−HK$466/mo
Today · 4.125%
HK$18,077
baseline
▲ 0.50% · 4.625%
HK$19,030
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,154/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,500
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,075
−HK$585/mo
Today · 4.125%
HK$19,660
baseline
▲ 0.50% · 4.625%
HK$20,856
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$39,320/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,581
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,133
−HK$560/mo
Today · 4.125%
HK$21,693
baseline
▲ 0.50% · 4.625%
HK$22,836
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$43,386/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,583
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,255
−HK$682/mo
Today · 4.125%
HK$22,937
baseline
▲ 0.50% · 4.625%
HK$24,332
+HK$1,395/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$202,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,011
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,655
−HK$653/mo
Today · 4.125%
HK$25,308
baseline
▲ 0.50% · 4.625%
HK$26,642
+HK$1,334/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,616/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,750
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,613
−HK$877/mo
Today · 4.125%
HK$29,490
baseline
▲ 0.50% · 4.625%
HK$31,284
+HK$1,794/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,980/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,871
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,699
−HK$840/mo
Today · 4.125%
HK$32,539
baseline
▲ 0.50% · 4.625%
HK$34,255
+HK$1,716/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,078/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,828 · 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).