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$15,673
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,161
−HK$495/mo
Today · 4.125%
HK$16,656
baseline
▲ 0.50% · 4.625%
HK$17,670
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,312/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,436
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,904
−HK$474/mo
Today · 4.125%
HK$18,378
baseline
▲ 0.50% · 4.625%
HK$19,347
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,756/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,808
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,393
−HK$594/mo
Today · 4.125%
HK$19,987
baseline
▲ 0.50% · 4.625%
HK$21,204
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,974/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,924
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,485
−HK$569/mo
Today · 4.125%
HK$22,054
baseline
▲ 0.50% · 4.625%
HK$23,217
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,108/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,943
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,625
−HK$694/mo
Today · 4.125%
HK$23,319
baseline
▲ 0.50% · 4.625%
HK$24,737
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,638/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,411
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,066
−HK$664/mo
Today · 4.125%
HK$25,730
baseline
▲ 0.50% · 4.625%
HK$27,086
+HK$1,356/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,460/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,212
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,089
−HK$892/mo
Today · 4.125%
HK$29,981
baseline
▲ 0.50% · 4.625%
HK$31,805
+HK$1,824/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$59,962/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,385
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,227
−HK$854/mo
Today · 4.125%
HK$33,081
baseline
▲ 0.50% · 4.625%
HK$34,825
+HK$1,744/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$66,162/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,205 · 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).