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$15,357
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,834
−HK$486/mo
Today · 4.125%
HK$16,320
baseline
▲ 0.50% · 4.625%
HK$17,313
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,640/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,084
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,542
−HK$465/mo
Today · 4.125%
HK$18,007
baseline
▲ 0.50% · 4.625%
HK$18,957
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,014/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,428
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,001
−HK$583/mo
Today · 4.125%
HK$19,584
baseline
▲ 0.50% · 4.625%
HK$20,775
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,168/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,501
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,051
−HK$558/mo
Today · 4.125%
HK$21,609
baseline
▲ 0.50% · 4.625%
HK$22,748
+HK$1,139/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,218/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,500
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,168
−HK$680/mo
Today · 4.125%
HK$22,848
baseline
▲ 0.50% · 4.625%
HK$24,238
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,696/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,918
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,559
−HK$651/mo
Today · 4.125%
HK$25,210
baseline
▲ 0.50% · 4.625%
HK$26,539
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,420/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,642
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,502
−HK$874/mo
Today · 4.125%
HK$29,376
baseline
▲ 0.50% · 4.625%
HK$31,163
+HK$1,787/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,752/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,752
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,576
−HK$837/mo
Today · 4.125%
HK$32,413
baseline
▲ 0.50% · 4.625%
HK$34,122
+HK$1,709/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,826/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,041 · 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).