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$15,364
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,842
−HK$486/mo
Today · 4.125%
HK$16,328
baseline
▲ 0.50% · 4.625%
HK$17,321
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,656/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,093
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,551
−HK$465/mo
Today · 4.125%
HK$18,016
baseline
▲ 0.50% · 4.625%
HK$18,966
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,032/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,437
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,011
−HK$582/mo
Today · 4.125%
HK$19,593
baseline
▲ 0.50% · 4.625%
HK$20,786
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,186/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,511
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,061
−HK$558/mo
Today · 4.125%
HK$21,619
baseline
▲ 0.50% · 4.625%
HK$22,759
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,238/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,510
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,179
−HK$680/mo
Today · 4.125%
HK$22,859
baseline
▲ 0.50% · 4.625%
HK$24,250
+HK$1,391/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,718/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,930
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,572
−HK$651/mo
Today · 4.125%
HK$25,223
baseline
▲ 0.50% · 4.625%
HK$26,552
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,446/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,656
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,516
−HK$874/mo
Today · 4.125%
HK$29,390
baseline
▲ 0.50% · 4.625%
HK$31,178
+HK$1,788/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$58,780/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,767
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,592
−HK$837/mo
Today · 4.125%
HK$32,429
baseline
▲ 0.50% · 4.625%
HK$34,138
+HK$1,709/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$64,858/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,140 · 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).