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$15,697
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,185
−HK$496/mo
Today · 4.125%
HK$16,681
baseline
▲ 0.50% · 4.625%
HK$17,696
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,362/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,463
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,931
−HK$475/mo
Today · 4.125%
HK$18,406
baseline
▲ 0.50% · 4.625%
HK$19,376
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,812/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,836
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,422
−HK$596/mo
Today · 4.125%
HK$20,018
baseline
▲ 0.50% · 4.625%
HK$21,236
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,036/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,955
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,517
−HK$571/mo
Today · 4.125%
HK$22,088
baseline
▲ 0.50% · 4.625%
HK$23,252
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,176/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,976
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,659
−HK$695/mo
Today · 4.125%
HK$23,354
baseline
▲ 0.50% · 4.625%
HK$24,775
+HK$1,421/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,708/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,448
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,104
−HK$665/mo
Today · 4.125%
HK$25,769
baseline
▲ 0.50% · 4.625%
HK$27,127
+HK$1,358/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,538/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,255
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,134
−HK$892/mo
Today · 4.125%
HK$30,026
baseline
▲ 0.50% · 4.625%
HK$31,854
+HK$1,828/mo
Deposit HK$688K · loan HK$6.20M · min. income ≈ HK$60,052/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,433
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,276
−HK$855/mo
Today · 4.125%
HK$33,131
baseline
▲ 0.50% · 4.625%
HK$34,878
+HK$1,747/mo
Deposit HK$688K · loan HK$6.20M · min. income ≈ HK$66,262/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,517 · 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).