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$15,682
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,169
−HK$496/mo
Today · 4.125%
HK$16,665
baseline
▲ 0.50% · 4.625%
HK$17,679
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,330/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,446
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,913
−HK$475/mo
Today · 4.125%
HK$18,388
baseline
▲ 0.50% · 4.625%
HK$19,357
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,776/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,818
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,403
−HK$595/mo
Today · 4.125%
HK$19,998
baseline
▲ 0.50% · 4.625%
HK$21,215
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$39,996/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,935
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,496
−HK$570/mo
Today · 4.125%
HK$22,066
baseline
▲ 0.50% · 4.625%
HK$23,229
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,132/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,954
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,637
−HK$694/mo
Today · 4.125%
HK$23,331
baseline
▲ 0.50% · 4.625%
HK$24,751
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,662/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,424
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,079
−HK$664/mo
Today · 4.125%
HK$25,743
baseline
▲ 0.50% · 4.625%
HK$27,100
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,486/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,227
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,105
−HK$892/mo
Today · 4.125%
HK$29,997
baseline
▲ 0.50% · 4.625%
HK$31,822
+HK$1,825/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$59,994/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,402
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,244
−HK$855/mo
Today · 4.125%
HK$33,099
baseline
▲ 0.50% · 4.625%
HK$34,843
+HK$1,744/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,198/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,314 · 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).