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$15,348
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,825
−HK$486/mo
Today · 4.125%
HK$16,311
baseline
▲ 0.50% · 4.625%
HK$17,303
+HK$992/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,622/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,075
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,532
−HK$465/mo
Today · 4.125%
HK$17,997
baseline
▲ 0.50% · 4.625%
HK$18,946
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$35,994/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,418
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,991
−HK$582/mo
Today · 4.125%
HK$19,573
baseline
▲ 0.50% · 4.625%
HK$20,764
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,146/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,489
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,039
−HK$557/mo
Today · 4.125%
HK$21,596
baseline
▲ 0.50% · 4.625%
HK$22,735
+HK$1,139/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,192/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,487
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,156
−HK$679/mo
Today · 4.125%
HK$22,835
baseline
▲ 0.50% · 4.625%
HK$24,224
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,670/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,904
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,545
−HK$651/mo
Today · 4.125%
HK$25,196
baseline
▲ 0.50% · 4.625%
HK$26,524
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,392/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,627
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,486
−HK$873/mo
Today · 4.125%
HK$29,359
baseline
▲ 0.50% · 4.625%
HK$31,145
+HK$1,786/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,718/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,734
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,558
−HK$837/mo
Today · 4.125%
HK$32,395
baseline
▲ 0.50% · 4.625%
HK$34,102
+HK$1,707/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,790/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,926 · 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).