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$15,358
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,836
−HK$485/mo
Today · 4.125%
HK$16,321
baseline
▲ 0.50% · 4.625%
HK$17,314
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,642/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,086
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,544
−HK$465/mo
Today · 4.125%
HK$18,009
baseline
▲ 0.50% · 4.625%
HK$18,958
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,018/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,430
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$19,003
−HK$582/mo
Today · 4.125%
HK$19,585
baseline
▲ 0.50% · 4.625%
HK$20,777
+HK$1,192/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,170/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,503
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,053
−HK$557/mo
Today · 4.125%
HK$21,610
baseline
▲ 0.50% · 4.625%
HK$22,750
+HK$1,140/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,220/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,501
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,170
−HK$680/mo
Today · 4.125%
HK$22,850
baseline
▲ 0.50% · 4.625%
HK$24,240
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,700/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,920
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,561
−HK$651/mo
Today · 4.125%
HK$25,212
baseline
▲ 0.50% · 4.625%
HK$26,541
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,424/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,644
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,504
−HK$874/mo
Today · 4.125%
HK$29,378
baseline
▲ 0.50% · 4.625%
HK$31,166
+HK$1,788/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$58,756/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,754
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,579
−HK$837/mo
Today · 4.125%
HK$32,416
baseline
▲ 0.50% · 4.625%
HK$34,124
+HK$1,708/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$64,832/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,057 · 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).