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$15,340
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,817
−HK$485/mo
Today · 4.125%
HK$16,302
baseline
▲ 0.50% · 4.625%
HK$17,294
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,604/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,065
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,523
−HK$464/mo
Today · 4.125%
HK$17,987
baseline
▲ 0.50% · 4.625%
HK$18,936
+HK$949/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,974/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,408
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,980
−HK$582/mo
Today · 4.125%
HK$19,562
baseline
▲ 0.50% · 4.625%
HK$20,752
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,124/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,478
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,028
−HK$557/mo
Today · 4.125%
HK$21,585
baseline
▲ 0.50% · 4.625%
HK$22,723
+HK$1,138/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,170/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,476
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,144
−HK$678/mo
Today · 4.125%
HK$22,822
baseline
▲ 0.50% · 4.625%
HK$24,211
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,644/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,892
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,532
−HK$650/mo
Today · 4.125%
HK$25,182
baseline
▲ 0.50% · 4.625%
HK$26,510
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,364/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,612
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,471
−HK$872/mo
Today · 4.125%
HK$29,343
baseline
▲ 0.50% · 4.625%
HK$31,129
+HK$1,786/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$58,686/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,718
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,542
−HK$835/mo
Today · 4.125%
HK$32,377
baseline
▲ 0.50% · 4.625%
HK$34,084
+HK$1,707/mo
Deposit HK$673K · loan HK$6.05M · min. income ≈ HK$64,754/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,818 · 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).