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$15,402
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,881
−HK$486/mo
Today · 4.125%
HK$16,367
baseline
▲ 0.50% · 4.625%
HK$17,363
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,734/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,134
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,594
−HK$466/mo
Today · 4.125%
HK$18,060
baseline
▲ 0.50% · 4.625%
HK$19,012
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,120/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,482
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,057
−HK$584/mo
Today · 4.125%
HK$19,641
baseline
▲ 0.50% · 4.625%
HK$20,836
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,282/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,561
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,112
−HK$560/mo
Today · 4.125%
HK$21,672
baseline
▲ 0.50% · 4.625%
HK$22,814
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,344/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,562
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,233
−HK$681/mo
Today · 4.125%
HK$22,914
baseline
▲ 0.50% · 4.625%
HK$24,309
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,828/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,988
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,631
−HK$653/mo
Today · 4.125%
HK$25,284
baseline
▲ 0.50% · 4.625%
HK$26,616
+HK$1,332/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,568/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,723
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,585
−HK$876/mo
Today · 4.125%
HK$29,461
baseline
▲ 0.50% · 4.625%
HK$31,254
+HK$1,793/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,922/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,841
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,668
−HK$839/mo
Today · 4.125%
HK$32,507
baseline
▲ 0.50% · 4.625%
HK$34,221
+HK$1,714/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$65,014/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,629 · 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).