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$15,695
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,183
−HK$496/mo
Today · 4.125%
HK$16,679
baseline
▲ 0.50% · 4.625%
HK$17,694
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,358/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,461
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,929
−HK$475/mo
Today · 4.125%
HK$18,404
baseline
▲ 0.50% · 4.625%
HK$19,374
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,808/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,834
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,420
−HK$595/mo
Today · 4.125%
HK$20,015
baseline
▲ 0.50% · 4.625%
HK$21,233
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,030/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,953
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,515
−HK$570/mo
Today · 4.125%
HK$22,085
baseline
▲ 0.50% · 4.625%
HK$23,249
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,170/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,973
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,657
−HK$694/mo
Today · 4.125%
HK$23,351
baseline
▲ 0.50% · 4.625%
HK$24,772
+HK$1,421/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,702/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,445
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,100
−HK$666/mo
Today · 4.125%
HK$25,766
baseline
▲ 0.50% · 4.625%
HK$27,124
+HK$1,358/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,532/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,251
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,130
−HK$893/mo
Today · 4.125%
HK$30,023
baseline
▲ 0.50% · 4.625%
HK$31,850
+HK$1,827/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,046/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,429
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,272
−HK$855/mo
Today · 4.125%
HK$33,127
baseline
▲ 0.50% · 4.625%
HK$34,873
+HK$1,746/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,254/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,491 · 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).