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$15,679
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,166
−HK$496/mo
Today · 4.125%
HK$16,662
baseline
▲ 0.50% · 4.625%
HK$17,676
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,324/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,442
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,910
−HK$475/mo
Today · 4.125%
HK$18,385
baseline
▲ 0.50% · 4.625%
HK$19,354
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,770/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,814
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,400
−HK$594/mo
Today · 4.125%
HK$19,994
baseline
▲ 0.50% · 4.625%
HK$21,211
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$39,988/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,931
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,492
−HK$570/mo
Today · 4.125%
HK$22,062
baseline
▲ 0.50% · 4.625%
HK$23,224
+HK$1,162/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,124/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,950
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,633
−HK$693/mo
Today · 4.125%
HK$23,326
baseline
▲ 0.50% · 4.625%
HK$24,746
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,652/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,419
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,074
−HK$664/mo
Today · 4.125%
HK$25,738
baseline
▲ 0.50% · 4.625%
HK$27,095
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,476/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,221
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,099
−HK$892/mo
Today · 4.125%
HK$29,991
baseline
▲ 0.50% · 4.625%
HK$31,816
+HK$1,825/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$59,982/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,396
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,238
−HK$854/mo
Today · 4.125%
HK$33,092
baseline
▲ 0.50% · 4.625%
HK$34,837
+HK$1,745/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,184/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,274 · 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).