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$15,352
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,830
−HK$485/mo
Today · 4.125%
HK$16,315
baseline
▲ 0.50% · 4.625%
HK$17,308
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,630/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,079
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,537
−HK$465/mo
Today · 4.125%
HK$18,002
baseline
▲ 0.50% · 4.625%
HK$18,951
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,004/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,423
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,996
−HK$582/mo
Today · 4.125%
HK$19,578
baseline
▲ 0.50% · 4.625%
HK$20,769
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,156/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$201,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,495
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,045
−HK$558/mo
Today · 4.125%
HK$21,603
baseline
▲ 0.50% · 4.625%
HK$22,741
+HK$1,138/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,206/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$201,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,493
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,162
−HK$679/mo
Today · 4.125%
HK$22,841
baseline
▲ 0.50% · 4.625%
HK$24,231
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,682/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,911
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,552
−HK$651/mo
Today · 4.125%
HK$25,203
baseline
▲ 0.50% · 4.625%
HK$26,532
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,406/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,634
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,494
−HK$873/mo
Today · 4.125%
HK$29,367
baseline
▲ 0.50% · 4.625%
HK$31,154
+HK$1,787/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,734/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,743
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,567
−HK$837/mo
Today · 4.125%
HK$32,404
baseline
▲ 0.50% · 4.625%
HK$34,112
+HK$1,708/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,808/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,983 · 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).