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$15,368
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,846
−HK$486/mo
Today · 4.125%
HK$16,332
baseline
▲ 0.50% · 4.625%
HK$17,325
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,664/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,097
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,555
−HK$465/mo
Today · 4.125%
HK$18,020
baseline
▲ 0.50% · 4.625%
HK$18,970
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,040/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,442
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,015
−HK$583/mo
Today · 4.125%
HK$19,598
baseline
▲ 0.50% · 4.625%
HK$20,790
+HK$1,192/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,196/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,516
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,066
−HK$558/mo
Today · 4.125%
HK$21,624
baseline
▲ 0.50% · 4.625%
HK$22,764
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,248/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,515
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,184
−HK$680/mo
Today · 4.125%
HK$22,864
baseline
▲ 0.50% · 4.625%
HK$24,256
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,728/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,935
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,577
−HK$652/mo
Today · 4.125%
HK$25,229
baseline
▲ 0.50% · 4.625%
HK$26,558
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,458/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,662
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,523
−HK$874/mo
Today · 4.125%
HK$29,397
baseline
▲ 0.50% · 4.625%
HK$31,186
+HK$1,789/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,794/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,774
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,599
−HK$838/mo
Today · 4.125%
HK$32,437
baseline
▲ 0.50% · 4.625%
HK$34,146
+HK$1,709/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,874/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,188 · 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).