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$15,672
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,160
−HK$495/mo
Today · 4.125%
HK$16,655
baseline
▲ 0.50% · 4.625%
HK$17,668
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,310/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,435
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,903
−HK$474/mo
Today · 4.125%
HK$18,377
baseline
▲ 0.50% · 4.625%
HK$19,346
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,754/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,807
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,392
−HK$594/mo
Today · 4.125%
HK$19,986
baseline
▲ 0.50% · 4.625%
HK$21,202
+HK$1,216/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,972/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,922
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,483
−HK$569/mo
Today · 4.125%
HK$22,052
baseline
▲ 0.50% · 4.625%
HK$23,215
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,104/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,941
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,624
−HK$693/mo
Today · 4.125%
HK$23,317
baseline
▲ 0.50% · 4.625%
HK$24,736
+HK$1,419/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,634/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,409
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,064
−HK$664/mo
Today · 4.125%
HK$25,728
baseline
▲ 0.50% · 4.625%
HK$27,084
+HK$1,356/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,456/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,210
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,087
−HK$892/mo
Today · 4.125%
HK$29,979
baseline
▲ 0.50% · 4.625%
HK$31,803
+HK$1,824/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$59,958/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,383
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,225
−HK$854/mo
Today · 4.125%
HK$33,079
baseline
▲ 0.50% · 4.625%
HK$34,822
+HK$1,743/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$66,158/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,190 · 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).