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$15,687
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,175
−HK$495/mo
Today · 4.125%
HK$16,670
baseline
▲ 0.50% · 4.625%
HK$17,685
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,340/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,451
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,919
−HK$475/mo
Today · 4.125%
HK$18,394
baseline
▲ 0.50% · 4.625%
HK$19,364
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,788/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,824
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,410
−HK$594/mo
Today · 4.125%
HK$20,004
baseline
▲ 0.50% · 4.625%
HK$21,222
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,008/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,941
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,503
−HK$570/mo
Today · 4.125%
HK$22,073
baseline
▲ 0.50% · 4.625%
HK$23,236
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,146/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,961
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,644
−HK$694/mo
Today · 4.125%
HK$23,338
baseline
▲ 0.50% · 4.625%
HK$24,759
+HK$1,421/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,676/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,432
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,087
−HK$665/mo
Today · 4.125%
HK$25,752
baseline
▲ 0.50% · 4.625%
HK$27,109
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,504/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,236
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,114
−HK$893/mo
Today · 4.125%
HK$30,007
baseline
▲ 0.50% · 4.625%
HK$31,832
+HK$1,825/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,014/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,412
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,255
−HK$854/mo
Today · 4.125%
HK$33,109
baseline
▲ 0.50% · 4.625%
HK$34,855
+HK$1,746/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,218/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,381 · 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).