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$15,376
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,855
−HK$485/mo
Today · 4.125%
HK$16,340
baseline
▲ 0.50% · 4.625%
HK$17,335
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,680/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,106
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,565
−HK$465/mo
Today · 4.125%
HK$18,030
baseline
▲ 0.50% · 4.625%
HK$18,981
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,060/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,452
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,025
−HK$584/mo
Today · 4.125%
HK$19,609
baseline
▲ 0.50% · 4.625%
HK$20,802
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,218/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,527
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,078
−HK$558/mo
Today · 4.125%
HK$21,636
baseline
▲ 0.50% · 4.625%
HK$22,777
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,272/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,527
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,196
−HK$681/mo
Today · 4.125%
HK$22,877
baseline
▲ 0.50% · 4.625%
HK$24,269
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,754/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,948
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,591
−HK$651/mo
Today · 4.125%
HK$25,242
baseline
▲ 0.50% · 4.625%
HK$26,573
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,484/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,677
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,538
−HK$875/mo
Today · 4.125%
HK$29,413
baseline
▲ 0.50% · 4.625%
HK$31,203
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,826/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,791
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,616
−HK$838/mo
Today · 4.125%
HK$32,454
baseline
▲ 0.50% · 4.625%
HK$34,165
+HK$1,711/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,908/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,297 · 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).