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$15,371
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,849
−HK$486/mo
Today · 4.125%
HK$16,335
baseline
▲ 0.50% · 4.625%
HK$17,329
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,670/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,100
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,558
−HK$466/mo
Today · 4.125%
HK$18,024
baseline
▲ 0.50% · 4.625%
HK$18,974
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,048/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,445
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,019
−HK$583/mo
Today · 4.125%
HK$19,602
baseline
▲ 0.50% · 4.625%
HK$20,794
+HK$1,192/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,204/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,520
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,070
−HK$558/mo
Today · 4.125%
HK$21,628
baseline
▲ 0.50% · 4.625%
HK$22,768
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,256/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,519
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,188
−HK$680/mo
Today · 4.125%
HK$22,868
baseline
▲ 0.50% · 4.625%
HK$24,260
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,736/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,940
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,582
−HK$651/mo
Today · 4.125%
HK$25,233
baseline
▲ 0.50% · 4.625%
HK$26,563
+HK$1,330/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,466/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,667
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,528
−HK$874/mo
Today · 4.125%
HK$29,402
baseline
▲ 0.50% · 4.625%
HK$31,191
+HK$1,789/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,804/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,780
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,605
−HK$837/mo
Today · 4.125%
HK$32,442
baseline
▲ 0.50% · 4.625%
HK$34,153
+HK$1,711/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,884/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,224 · 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).