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$15,704
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,192
−HK$496/mo
Today · 4.125%
HK$16,688
baseline
▲ 0.50% · 4.625%
HK$17,704
+HK$1,016/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,376/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,470
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,939
−HK$475/mo
Today · 4.125%
HK$18,414
baseline
▲ 0.50% · 4.625%
HK$19,385
+HK$971/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,828/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,844
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,431
−HK$595/mo
Today · 4.125%
HK$20,026
baseline
▲ 0.50% · 4.625%
HK$21,245
+HK$1,219/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,052/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,964
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,526
−HK$571/mo
Today · 4.125%
HK$22,097
baseline
▲ 0.50% · 4.625%
HK$23,262
+HK$1,165/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,194/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,985
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,669
−HK$695/mo
Today · 4.125%
HK$23,364
baseline
▲ 0.50% · 4.625%
HK$24,785
+HK$1,421/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,728/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,458
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,114
−HK$666/mo
Today · 4.125%
HK$25,780
baseline
▲ 0.50% · 4.625%
HK$27,139
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,560/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,267
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,146
−HK$893/mo
Today · 4.125%
HK$30,039
baseline
▲ 0.50% · 4.625%
HK$31,867
+HK$1,828/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,078/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,446
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,290
−HK$855/mo
Today · 4.125%
HK$33,145
baseline
▲ 0.50% · 4.625%
HK$34,892
+HK$1,747/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,290/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,605 · 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).