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$15,414
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,894
−HK$487/mo
Today · 4.125%
HK$16,381
baseline
▲ 0.50% · 4.625%
HK$17,378
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,762/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,148
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,608
−HK$467/mo
Today · 4.125%
HK$18,075
baseline
▲ 0.50% · 4.625%
HK$19,027
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,150/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,497
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,073
−HK$584/mo
Today · 4.125%
HK$19,657
baseline
▲ 0.50% · 4.625%
HK$20,853
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$39,314/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,578
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,130
−HK$560/mo
Today · 4.125%
HK$21,690
baseline
▲ 0.50% · 4.625%
HK$22,833
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$43,380/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,580
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,251
−HK$682/mo
Today · 4.125%
HK$22,933
baseline
▲ 0.50% · 4.625%
HK$24,329
+HK$1,396/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,866/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,008
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,651
−HK$654/mo
Today · 4.125%
HK$25,305
baseline
▲ 0.50% · 4.625%
HK$26,638
+HK$1,333/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,610/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,746
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,609
−HK$877/mo
Today · 4.125%
HK$29,486
baseline
▲ 0.50% · 4.625%
HK$31,280
+HK$1,794/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,972/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,867
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,695
−HK$839/mo
Today · 4.125%
HK$32,534
baseline
▲ 0.50% · 4.625%
HK$34,249
+HK$1,715/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,068/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,797 · 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).