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$15,392
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,870
−HK$487/mo
Today · 4.125%
HK$16,357
baseline
▲ 0.50% · 4.625%
HK$17,352
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,714/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,123
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,582
−HK$466/mo
Today · 4.125%
HK$18,048
baseline
▲ 0.50% · 4.625%
HK$18,999
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,096/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,470
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,044
−HK$584/mo
Today · 4.125%
HK$19,628
baseline
▲ 0.50% · 4.625%
HK$20,822
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,256/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,548
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,099
−HK$559/mo
Today · 4.125%
HK$21,658
baseline
▲ 0.50% · 4.625%
HK$22,799
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,316/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,548
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,218
−HK$681/mo
Today · 4.125%
HK$22,899
baseline
▲ 0.50% · 4.625%
HK$24,293
+HK$1,394/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,798/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,972
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,615
−HK$652/mo
Today · 4.125%
HK$25,267
baseline
▲ 0.50% · 4.625%
HK$26,599
+HK$1,332/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,534/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,705
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,567
−HK$875/mo
Today · 4.125%
HK$29,442
baseline
▲ 0.50% · 4.625%
HK$31,234
+HK$1,792/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,884/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,821
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,648
−HK$838/mo
Today · 4.125%
HK$32,486
baseline
▲ 0.50% · 4.625%
HK$34,199
+HK$1,713/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,972/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,498 · 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).