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$15,373
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,851
−HK$486/mo
Today · 4.125%
HK$16,337
baseline
▲ 0.50% · 4.625%
HK$17,331
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,674/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,102
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,561
−HK$465/mo
Today · 4.125%
HK$18,026
baseline
▲ 0.50% · 4.625%
HK$18,976
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,052/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,448
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,021
−HK$583/mo
Today · 4.125%
HK$19,604
baseline
▲ 0.50% · 4.625%
HK$20,797
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,208/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,523
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,073
−HK$558/mo
Today · 4.125%
HK$21,631
baseline
▲ 0.50% · 4.625%
HK$22,772
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,262/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,522
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,192
−HK$680/mo
Today · 4.125%
HK$22,872
baseline
▲ 0.50% · 4.625%
HK$24,263
+HK$1,391/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,744/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,943
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,585
−HK$652/mo
Today · 4.125%
HK$25,237
baseline
▲ 0.50% · 4.625%
HK$26,567
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,474/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,671
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,532
−HK$874/mo
Today · 4.125%
HK$29,406
baseline
▲ 0.50% · 4.625%
HK$31,196
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,812/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,784
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,610
−HK$837/mo
Today · 4.125%
HK$32,447
baseline
▲ 0.50% · 4.625%
HK$34,157
+HK$1,710/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,894/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,253 · 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).