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$15,682
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,170
−HK$496/mo
Today · 4.125%
HK$16,666
baseline
▲ 0.50% · 4.625%
HK$17,680
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,332/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,446
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,914
−HK$475/mo
Today · 4.125%
HK$18,389
baseline
▲ 0.50% · 4.625%
HK$19,358
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,778/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,819
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,404
−HK$595/mo
Today · 4.125%
HK$19,999
baseline
▲ 0.50% · 4.625%
HK$21,216
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$39,998/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,936
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,497
−HK$570/mo
Today · 4.125%
HK$22,067
baseline
▲ 0.50% · 4.625%
HK$23,230
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,134/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,955
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,638
−HK$694/mo
Today · 4.125%
HK$23,332
baseline
▲ 0.50% · 4.625%
HK$24,752
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,664/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,425
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,080
−HK$664/mo
Today · 4.125%
HK$25,744
baseline
▲ 0.50% · 4.625%
HK$27,101
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,488/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,228
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,106
−HK$892/mo
Today · 4.125%
HK$29,998
baseline
▲ 0.50% · 4.625%
HK$31,823
+HK$1,825/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$59,996/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,403
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,246
−HK$854/mo
Today · 4.125%
HK$33,100
baseline
▲ 0.50% · 4.625%
HK$34,845
+HK$1,745/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,200/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,322 · 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).