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$15,370
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,848
−HK$486/mo
Today · 4.125%
HK$16,334
baseline
▲ 0.50% · 4.625%
HK$17,328
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,668/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,099
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,558
−HK$465/mo
Today · 4.125%
HK$18,023
baseline
▲ 0.50% · 4.625%
HK$18,973
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,046/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,444
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,018
−HK$583/mo
Today · 4.125%
HK$19,601
baseline
▲ 0.50% · 4.625%
HK$20,794
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,202/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,519
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,070
−HK$558/mo
Today · 4.125%
HK$21,628
baseline
▲ 0.50% · 4.625%
HK$22,768
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,256/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,518
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,188
−HK$680/mo
Today · 4.125%
HK$22,868
baseline
▲ 0.50% · 4.625%
HK$24,259
+HK$1,391/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,736/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,939
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,581
−HK$651/mo
Today · 4.125%
HK$25,232
baseline
▲ 0.50% · 4.625%
HK$26,563
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,464/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,667
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,527
−HK$875/mo
Today · 4.125%
HK$29,402
baseline
▲ 0.50% · 4.625%
HK$31,191
+HK$1,789/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,804/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,779
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,604
−HK$838/mo
Today · 4.125%
HK$32,442
baseline
▲ 0.50% · 4.625%
HK$34,152
+HK$1,710/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,884/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,219 · 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).