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$15,703
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,191
−HK$496/mo
Today · 4.125%
HK$16,687
baseline
▲ 0.50% · 4.625%
HK$17,703
+HK$1,016/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,374/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,469
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,937
−HK$476/mo
Today · 4.125%
HK$18,413
baseline
▲ 0.50% · 4.625%
HK$19,383
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,826/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,843
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,429
−HK$596/mo
Today · 4.125%
HK$20,025
baseline
▲ 0.50% · 4.625%
HK$21,243
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,050/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,963
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,525
−HK$570/mo
Today · 4.125%
HK$22,095
baseline
▲ 0.50% · 4.625%
HK$23,260
+HK$1,165/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,190/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,984
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,667
−HK$695/mo
Today · 4.125%
HK$23,362
baseline
▲ 0.50% · 4.625%
HK$24,784
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,724/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,457
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,112
−HK$666/mo
Today · 4.125%
HK$25,778
baseline
▲ 0.50% · 4.625%
HK$27,137
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,556/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,265
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,144
−HK$893/mo
Today · 4.125%
HK$30,037
baseline
▲ 0.50% · 4.625%
HK$31,865
+HK$1,828/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,074/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,444
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,287
−HK$856/mo
Today · 4.125%
HK$33,143
baseline
▲ 0.50% · 4.625%
HK$34,890
+HK$1,747/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,286/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,590 · 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).