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$15,393
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,872
−HK$487/mo
Today · 4.125%
HK$16,359
baseline
▲ 0.50% · 4.625%
HK$17,354
+HK$995/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,718/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,125
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,584
−HK$466/mo
Today · 4.125%
HK$18,050
baseline
▲ 0.50% · 4.625%
HK$19,002
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,100/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,472
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,047
−HK$583/mo
Today · 4.125%
HK$19,630
baseline
▲ 0.50% · 4.625%
HK$20,825
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,260/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,550
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,101
−HK$559/mo
Today · 4.125%
HK$21,660
baseline
▲ 0.50% · 4.625%
HK$22,802
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,320/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,551
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,221
−HK$681/mo
Today · 4.125%
HK$22,902
baseline
▲ 0.50% · 4.625%
HK$24,296
+HK$1,394/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,804/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,975
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,618
−HK$652/mo
Today · 4.125%
HK$25,270
baseline
▲ 0.50% · 4.625%
HK$26,602
+HK$1,332/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,540/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,708
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,570
−HK$876/mo
Today · 4.125%
HK$29,446
baseline
▲ 0.50% · 4.625%
HK$31,237
+HK$1,791/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,892/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,825
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,652
−HK$838/mo
Today · 4.125%
HK$32,490
baseline
▲ 0.50% · 4.625%
HK$34,203
+HK$1,713/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$64,980/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,521 · 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).