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$15,398
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,877
−HK$487/mo
Today · 4.125%
HK$16,364
baseline
▲ 0.50% · 4.625%
HK$17,360
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,728/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,130
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,590
−HK$466/mo
Today · 4.125%
HK$18,056
baseline
▲ 0.50% · 4.625%
HK$19,008
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,112/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,478
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,053
−HK$584/mo
Today · 4.125%
HK$19,637
baseline
▲ 0.50% · 4.625%
HK$20,831
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,274/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,556
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,108
−HK$559/mo
Today · 4.125%
HK$21,667
baseline
▲ 0.50% · 4.625%
HK$22,809
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,334/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,557
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,228
−HK$681/mo
Today · 4.125%
HK$22,909
baseline
▲ 0.50% · 4.625%
HK$24,303
+HK$1,394/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,818/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,982
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,626
−HK$652/mo
Today · 4.125%
HK$25,278
baseline
▲ 0.50% · 4.625%
HK$26,611
+HK$1,333/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,556/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,717
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,579
−HK$876/mo
Today · 4.125%
HK$29,455
baseline
▲ 0.50% · 4.625%
HK$31,247
+HK$1,792/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,910/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,835
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,662
−HK$839/mo
Today · 4.125%
HK$32,501
baseline
▲ 0.50% · 4.625%
HK$34,214
+HK$1,713/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$65,002/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,586 · 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).