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$16,167
−HK$495/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$206,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,443
−HK$942/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$206,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,815
−HK$1,179/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$206,278 · 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$23,225
+HK$1,163/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$206,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,950
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,633
−HK$694/mo
Today · 4.125%
HK$23,327
baseline
▲ 0.50% · 4.625%
HK$24,746
+HK$1,419/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,654/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,420
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,075
−HK$664/mo
Today · 4.125%
HK$25,739
baseline
▲ 0.50% · 4.625%
HK$27,096
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,478/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,222
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,100
−HK$892/mo
Today · 4.125%
HK$29,992
baseline
▲ 0.50% · 4.625%
HK$31,817
+HK$1,825/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$59,984/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,397
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,239
−HK$854/mo
Today · 4.125%
HK$33,093
baseline
▲ 0.50% · 4.625%
HK$34,837
+HK$1,744/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,186/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,278 · 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).