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$15,432
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,912
−HK$487/mo
Today · 4.125%
HK$16,399
baseline
▲ 0.50% · 4.625%
HK$17,397
+HK$998/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,798/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,168
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,628
−HK$467/mo
Today · 4.125%
HK$18,095
baseline
▲ 0.50% · 4.625%
HK$19,049
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,190/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,518
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,094
−HK$585/mo
Today · 4.125%
HK$19,679
baseline
▲ 0.50% · 4.625%
HK$20,877
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,358/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,601
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,154
−HK$560/mo
Today · 4.125%
HK$21,714
baseline
▲ 0.50% · 4.625%
HK$22,859
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,428/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,604
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,276
−HK$683/mo
Today · 4.125%
HK$22,959
baseline
▲ 0.50% · 4.625%
HK$24,356
+HK$1,397/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,918/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,035
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,679
−HK$654/mo
Today · 4.125%
HK$25,333
baseline
▲ 0.50% · 4.625%
HK$26,668
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,666/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,777
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,641
−HK$878/mo
Today · 4.125%
HK$29,519
baseline
▲ 0.50% · 4.625%
HK$31,315
+HK$1,796/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,038/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,902
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,730
−HK$841/mo
Today · 4.125%
HK$32,571
baseline
▲ 0.50% · 4.625%
HK$34,288
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,142/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,025 · 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).