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$15,684
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,171
−HK$496/mo
Today · 4.125%
HK$16,667
baseline
▲ 0.50% · 4.625%
HK$17,681
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,334/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,448
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,916
−HK$475/mo
Today · 4.125%
HK$18,391
baseline
▲ 0.50% · 4.625%
HK$19,360
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,782/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,820
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,406
−HK$595/mo
Today · 4.125%
HK$20,001
baseline
▲ 0.50% · 4.625%
HK$21,218
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,002/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,937
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,499
−HK$570/mo
Today · 4.125%
HK$22,069
baseline
▲ 0.50% · 4.625%
HK$23,232
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,138/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,957
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,640
−HK$694/mo
Today · 4.125%
HK$23,334
baseline
▲ 0.50% · 4.625%
HK$24,754
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,668/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,427
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,082
−HK$665/mo
Today · 4.125%
HK$25,747
baseline
▲ 0.50% · 4.625%
HK$27,104
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,494/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,231
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,109
−HK$892/mo
Today · 4.125%
HK$30,001
baseline
▲ 0.50% · 4.625%
HK$31,826
+HK$1,825/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,002/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,406
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,248
−HK$855/mo
Today · 4.125%
HK$33,103
baseline
▲ 0.50% · 4.625%
HK$34,848
+HK$1,745/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,206/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,341 · 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).