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$15,386
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,865
−HK$486/mo
Today · 4.125%
HK$16,351
baseline
▲ 0.50% · 4.625%
HK$17,346
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,702/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,117
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,576
−HK$466/mo
Today · 4.125%
HK$18,042
baseline
▲ 0.50% · 4.625%
HK$18,993
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,084/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,464
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,038
−HK$583/mo
Today · 4.125%
HK$19,621
baseline
▲ 0.50% · 4.625%
HK$20,815
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,242/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,541
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,091
−HK$559/mo
Today · 4.125%
HK$21,650
baseline
▲ 0.50% · 4.625%
HK$22,791
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,300/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,541
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,211
−HK$681/mo
Today · 4.125%
HK$22,892
baseline
▲ 0.50% · 4.625%
HK$24,285
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,784/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,964
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,607
−HK$652/mo
Today · 4.125%
HK$25,259
baseline
▲ 0.50% · 4.625%
HK$26,590
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,518/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,695
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,557
−HK$875/mo
Today · 4.125%
HK$29,432
baseline
▲ 0.50% · 4.625%
HK$31,223
+HK$1,791/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,864/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,811
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,637
−HK$838/mo
Today · 4.125%
HK$32,475
baseline
▲ 0.50% · 4.625%
HK$34,187
+HK$1,712/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,950/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,429 · 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).