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$15,694
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,182
−HK$496/mo
Today · 4.125%
HK$16,678
baseline
▲ 0.50% · 4.625%
HK$17,693
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,356/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,459
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,928
−HK$475/mo
Today · 4.125%
HK$18,403
baseline
▲ 0.50% · 4.625%
HK$19,373
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,806/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,833
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,419
−HK$595/mo
Today · 4.125%
HK$20,014
baseline
▲ 0.50% · 4.625%
HK$21,232
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,028/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,951
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,513
−HK$570/mo
Today · 4.125%
HK$22,083
baseline
▲ 0.50% · 4.625%
HK$23,247
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,166/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,972
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,655
−HK$694/mo
Today · 4.125%
HK$23,349
baseline
▲ 0.50% · 4.625%
HK$24,770
+HK$1,421/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,698/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,443
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,099
−HK$665/mo
Today · 4.125%
HK$25,764
baseline
▲ 0.50% · 4.625%
HK$27,122
+HK$1,358/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,528/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,249
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,128
−HK$893/mo
Today · 4.125%
HK$30,021
baseline
▲ 0.50% · 4.625%
HK$31,847
+HK$1,826/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,042/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,427
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,270
−HK$855/mo
Today · 4.125%
HK$33,125
baseline
▲ 0.50% · 4.625%
HK$34,871
+HK$1,746/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,250/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,478 · 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).