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$15,693
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,181
−HK$496/mo
Today · 4.125%
HK$16,677
baseline
▲ 0.50% · 4.625%
HK$17,692
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,354/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,458
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,927
−HK$475/mo
Today · 4.125%
HK$18,402
baseline
▲ 0.50% · 4.625%
HK$19,372
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,804/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,832
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,418
−HK$595/mo
Today · 4.125%
HK$20,013
baseline
▲ 0.50% · 4.625%
HK$21,230
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,026/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,950
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,512
−HK$570/mo
Today · 4.125%
HK$22,082
baseline
▲ 0.50% · 4.625%
HK$23,246
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,164/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,970
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,654
−HK$694/mo
Today · 4.125%
HK$23,348
baseline
▲ 0.50% · 4.625%
HK$24,769
+HK$1,421/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,696/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,442
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,097
−HK$665/mo
Today · 4.125%
HK$25,762
baseline
▲ 0.50% · 4.625%
HK$27,120
+HK$1,358/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,524/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,248
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,126
−HK$893/mo
Today · 4.125%
HK$30,019
baseline
▲ 0.50% · 4.625%
HK$31,846
+HK$1,827/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,038/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,425
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,268
−HK$855/mo
Today · 4.125%
HK$33,123
baseline
▲ 0.50% · 4.625%
HK$34,869
+HK$1,746/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,246/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,466 · 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).