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$983/mo
▼ 0.25% · 3.875%
HK$16,157
−HK$495/mo
Today · 4.125%
HK$16,652
baseline
▲ 0.50% · 4.625%
HK$17,665
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,304/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,432
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,900
−HK$474/mo
Today · 4.125%
HK$18,374
baseline
▲ 0.50% · 4.625%
HK$19,342
+HK$968/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,748/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,803
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,388
−HK$594/mo
Today · 4.125%
HK$19,982
baseline
▲ 0.50% · 4.625%
HK$21,198
+HK$1,216/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,964/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,918
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,480
−HK$569/mo
Today · 4.125%
HK$22,049
baseline
▲ 0.50% · 4.625%
HK$23,211
+HK$1,162/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,098/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,937
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,620
−HK$693/mo
Today · 4.125%
HK$23,313
baseline
▲ 0.50% · 4.625%
HK$24,731
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,626/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,405
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,059
−HK$664/mo
Today · 4.125%
HK$25,723
baseline
▲ 0.50% · 4.625%
HK$27,079
+HK$1,356/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,446/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,205
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,082
−HK$892/mo
Today · 4.125%
HK$29,974
baseline
▲ 0.50% · 4.625%
HK$31,797
+HK$1,823/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,948/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,378
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,219
−HK$854/mo
Today · 4.125%
HK$33,073
baseline
▲ 0.50% · 4.625%
HK$34,816
+HK$1,743/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,146/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,154 · 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).