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$15,369
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,847
−HK$485/mo
Today · 4.125%
HK$16,332
baseline
▲ 0.50% · 4.625%
HK$17,326
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,664/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,097
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,556
−HK$465/mo
Today · 4.125%
HK$18,021
baseline
▲ 0.50% · 4.625%
HK$18,971
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,042/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,442
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,016
−HK$583/mo
Today · 4.125%
HK$19,599
baseline
▲ 0.50% · 4.625%
HK$20,791
+HK$1,192/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,198/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,517
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,067
−HK$558/mo
Today · 4.125%
HK$21,625
baseline
▲ 0.50% · 4.625%
HK$22,765
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,250/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,516
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,185
−HK$680/mo
Today · 4.125%
HK$22,865
baseline
▲ 0.50% · 4.625%
HK$24,257
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,730/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,936
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,578
−HK$652/mo
Today · 4.125%
HK$25,230
baseline
▲ 0.50% · 4.625%
HK$26,559
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,460/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,663
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,524
−HK$874/mo
Today · 4.125%
HK$29,398
baseline
▲ 0.50% · 4.625%
HK$31,187
+HK$1,789/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,796/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,775
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,601
−HK$837/mo
Today · 4.125%
HK$32,438
baseline
▲ 0.50% · 4.625%
HK$34,148
+HK$1,710/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,876/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,196 · 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).