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$15,400
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,879
−HK$486/mo
Today · 4.125%
HK$16,365
baseline
▲ 0.50% · 4.625%
HK$17,361
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,730/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,132
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,592
−HK$466/mo
Today · 4.125%
HK$18,058
baseline
▲ 0.50% · 4.625%
HK$19,009
+HK$951/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,116/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,480
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,054
−HK$585/mo
Today · 4.125%
HK$19,639
baseline
▲ 0.50% · 4.625%
HK$20,833
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,278/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,558
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,110
−HK$559/mo
Today · 4.125%
HK$21,669
baseline
▲ 0.50% · 4.625%
HK$22,811
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,338/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,560
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,230
−HK$682/mo
Today · 4.125%
HK$22,912
baseline
▲ 0.50% · 4.625%
HK$24,306
+HK$1,394/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,824/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,985
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,628
−HK$653/mo
Today · 4.125%
HK$25,281
baseline
▲ 0.50% · 4.625%
HK$26,613
+HK$1,332/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,562/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,720
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,582
−HK$876/mo
Today · 4.125%
HK$29,458
baseline
▲ 0.50% · 4.625%
HK$31,250
+HK$1,792/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,916/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,838
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,665
−HK$839/mo
Today · 4.125%
HK$32,504
baseline
▲ 0.50% · 4.625%
HK$34,217
+HK$1,713/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$65,008/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,606 · 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).