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$15,384
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,863
−HK$486/mo
Today · 4.125%
HK$16,349
baseline
▲ 0.50% · 4.625%
HK$17,344
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,698/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,115
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,574
−HK$465/mo
Today · 4.125%
HK$18,039
baseline
▲ 0.50% · 4.625%
HK$18,990
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,078/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,461
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,035
−HK$584/mo
Today · 4.125%
HK$19,619
baseline
▲ 0.50% · 4.625%
HK$20,812
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,238/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,538
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,088
−HK$559/mo
Today · 4.125%
HK$21,647
baseline
▲ 0.50% · 4.625%
HK$22,788
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,294/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,538
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,208
−HK$680/mo
Today · 4.125%
HK$22,888
baseline
▲ 0.50% · 4.625%
HK$24,281
+HK$1,393/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,776/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,960
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,603
−HK$652/mo
Today · 4.125%
HK$25,255
baseline
▲ 0.50% · 4.625%
HK$26,586
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,510/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,691
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,553
−HK$875/mo
Today · 4.125%
HK$29,428
baseline
▲ 0.50% · 4.625%
HK$31,218
+HK$1,790/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,856/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,806
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,632
−HK$839/mo
Today · 4.125%
HK$32,471
baseline
▲ 0.50% · 4.625%
HK$34,182
+HK$1,711/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,942/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,399 · 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).