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$15,390
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,868
−HK$487/mo
Today · 4.125%
HK$16,355
baseline
▲ 0.50% · 4.625%
HK$17,350
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,710/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,121
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,580
−HK$466/mo
Today · 4.125%
HK$18,046
baseline
▲ 0.50% · 4.625%
HK$18,997
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,092/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,468
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,042
−HK$584/mo
Today · 4.125%
HK$19,626
baseline
▲ 0.50% · 4.625%
HK$20,820
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,252/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,545
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,096
−HK$559/mo
Today · 4.125%
HK$21,655
baseline
▲ 0.50% · 4.625%
HK$22,797
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,310/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,546
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,216
−HK$681/mo
Today · 4.125%
HK$22,897
baseline
▲ 0.50% · 4.625%
HK$24,290
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,794/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,969
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,612
−HK$652/mo
Today · 4.125%
HK$25,264
baseline
▲ 0.50% · 4.625%
HK$26,596
+HK$1,332/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,528/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,702
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,563
−HK$876/mo
Today · 4.125%
HK$29,439
baseline
▲ 0.50% · 4.625%
HK$31,230
+HK$1,791/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,878/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,818
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,644
−HK$839/mo
Today · 4.125%
HK$32,483
baseline
▲ 0.50% · 4.625%
HK$34,195
+HK$1,712/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,966/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,474 · 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).