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$15,378
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,856
−HK$486/mo
Today · 4.125%
HK$16,342
baseline
▲ 0.50% · 4.625%
HK$17,337
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,684/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,108
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,567
−HK$465/mo
Today · 4.125%
HK$18,032
baseline
▲ 0.50% · 4.625%
HK$18,983
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,064/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,454
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,028
−HK$583/mo
Today · 4.125%
HK$19,611
baseline
▲ 0.50% · 4.625%
HK$20,804
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,222/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,530
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,080
−HK$559/mo
Today · 4.125%
HK$21,639
baseline
▲ 0.50% · 4.625%
HK$22,779
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,278/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,529
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,199
−HK$680/mo
Today · 4.125%
HK$22,879
baseline
▲ 0.50% · 4.625%
HK$24,272
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,758/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,951
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,594
−HK$651/mo
Today · 4.125%
HK$25,245
baseline
▲ 0.50% · 4.625%
HK$26,576
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,490/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,681
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,542
−HK$874/mo
Today · 4.125%
HK$29,416
baseline
▲ 0.50% · 4.625%
HK$31,206
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,832/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,794
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,620
−HK$838/mo
Today · 4.125%
HK$32,458
baseline
▲ 0.50% · 4.625%
HK$34,169
+HK$1,711/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,916/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,322 · 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).