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$15,359
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,837
−HK$485/mo
Today · 4.125%
HK$16,322
baseline
▲ 0.50% · 4.625%
HK$17,315
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,644/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,087
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,545
−HK$465/mo
Today · 4.125%
HK$18,010
baseline
▲ 0.50% · 4.625%
HK$18,959
+HK$949/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,020/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,431
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$19,004
−HK$582/mo
Today · 4.125%
HK$19,586
baseline
▲ 0.50% · 4.625%
HK$20,778
+HK$1,192/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,172/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,504
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,054
−HK$558/mo
Today · 4.125%
HK$21,612
baseline
▲ 0.50% · 4.625%
HK$22,751
+HK$1,139/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,224/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,502
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,171
−HK$680/mo
Today · 4.125%
HK$22,851
baseline
▲ 0.50% · 4.625%
HK$24,241
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,702/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,921
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,563
−HK$651/mo
Today · 4.125%
HK$25,214
baseline
▲ 0.50% · 4.625%
HK$26,543
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,428/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,646
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,506
−HK$873/mo
Today · 4.125%
HK$29,379
baseline
▲ 0.50% · 4.625%
HK$31,167
+HK$1,788/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$58,758/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,756
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,581
−HK$836/mo
Today · 4.125%
HK$32,417
baseline
▲ 0.50% · 4.625%
HK$34,126
+HK$1,709/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$64,834/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,067 · 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).