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$15,669
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,156
−HK$495/mo
Today · 4.125%
HK$16,651
baseline
▲ 0.50% · 4.625%
HK$17,664
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,302/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,431
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,899
−HK$474/mo
Today · 4.125%
HK$18,373
baseline
▲ 0.50% · 4.625%
HK$19,341
+HK$968/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,746/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,802
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,387
−HK$594/mo
Today · 4.125%
HK$19,981
baseline
▲ 0.50% · 4.625%
HK$21,197
+HK$1,216/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,962/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,917
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,478
−HK$569/mo
Today · 4.125%
HK$22,047
baseline
▲ 0.50% · 4.625%
HK$23,210
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,094/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,936
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,618
−HK$694/mo
Today · 4.125%
HK$23,312
baseline
▲ 0.50% · 4.625%
HK$24,730
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,624/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,404
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,058
−HK$664/mo
Today · 4.125%
HK$25,722
baseline
▲ 0.50% · 4.625%
HK$27,078
+HK$1,356/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,444/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,203
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,081
−HK$891/mo
Today · 4.125%
HK$29,972
baseline
▲ 0.50% · 4.625%
HK$31,796
+HK$1,824/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,944/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,376
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,217
−HK$854/mo
Today · 4.125%
HK$33,071
baseline
▲ 0.50% · 4.625%
HK$34,814
+HK$1,743/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,142/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,142 · 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).