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$15,421
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,900
−HK$488/mo
Today · 4.125%
HK$16,388
baseline
▲ 0.50% · 4.625%
HK$17,385
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,776/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,155
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,615
−HK$467/mo
Today · 4.125%
HK$18,082
baseline
▲ 0.50% · 4.625%
HK$19,035
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,164/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,505
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,080
−HK$585/mo
Today · 4.125%
HK$19,665
baseline
▲ 0.50% · 4.625%
HK$20,862
+HK$1,197/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,330/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,586
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,138
−HK$560/mo
Today · 4.125%
HK$21,698
baseline
▲ 0.50% · 4.625%
HK$22,842
+HK$1,144/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,396/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,589
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,260
−HK$683/mo
Today · 4.125%
HK$22,943
baseline
▲ 0.50% · 4.625%
HK$24,339
+HK$1,396/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,886/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,017
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,661
−HK$654/mo
Today · 4.125%
HK$25,315
baseline
▲ 0.50% · 4.625%
HK$26,649
+HK$1,334/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,630/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,757
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,620
−HK$878/mo
Today · 4.125%
HK$29,498
baseline
▲ 0.50% · 4.625%
HK$31,292
+HK$1,794/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$58,996/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,879
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,708
−HK$840/mo
Today · 4.125%
HK$32,548
baseline
▲ 0.50% · 4.625%
HK$34,263
+HK$1,715/mo
Deposit HK$676K · loan HK$6.09M · min. income ≈ HK$65,096/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,880 · 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).