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$15,381
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,860
−HK$486/mo
Today · 4.125%
HK$16,346
baseline
▲ 0.50% · 4.625%
HK$17,340
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,692/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,111
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,570
−HK$466/mo
Today · 4.125%
HK$18,036
baseline
▲ 0.50% · 4.625%
HK$18,987
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,072/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,457
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,032
−HK$583/mo
Today · 4.125%
HK$19,615
baseline
▲ 0.50% · 4.625%
HK$20,808
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,230/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,534
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,084
−HK$559/mo
Today · 4.125%
HK$21,643
baseline
▲ 0.50% · 4.625%
HK$22,784
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,286/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,534
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,204
−HK$680/mo
Today · 4.125%
HK$22,884
baseline
▲ 0.50% · 4.625%
HK$24,276
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,768/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,956
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,599
−HK$651/mo
Today · 4.125%
HK$25,250
baseline
▲ 0.50% · 4.625%
HK$26,581
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,500/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,686
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,547
−HK$875/mo
Today · 4.125%
HK$29,422
baseline
▲ 0.50% · 4.625%
HK$31,213
+HK$1,791/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,844/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,801
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,627
−HK$838/mo
Today · 4.125%
HK$32,465
baseline
▲ 0.50% · 4.625%
HK$34,176
+HK$1,711/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,930/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,362 · 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).