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$15,689
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,177
−HK$496/mo
Today · 4.125%
HK$16,673
baseline
▲ 0.50% · 4.625%
HK$17,688
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,346/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,454
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,922
−HK$475/mo
Today · 4.125%
HK$18,397
baseline
▲ 0.50% · 4.625%
HK$19,367
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,794/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,827
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,413
−HK$595/mo
Today · 4.125%
HK$20,008
baseline
▲ 0.50% · 4.625%
HK$21,225
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,016/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,945
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,507
−HK$569/mo
Today · 4.125%
HK$22,076
baseline
▲ 0.50% · 4.625%
HK$23,240
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,152/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,965
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,648
−HK$694/mo
Today · 4.125%
HK$23,342
baseline
▲ 0.50% · 4.625%
HK$24,763
+HK$1,421/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,684/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,436
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,091
−HK$665/mo
Today · 4.125%
HK$25,756
baseline
▲ 0.50% · 4.625%
HK$27,113
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,512/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,241
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,119
−HK$892/mo
Today · 4.125%
HK$30,011
baseline
▲ 0.50% · 4.625%
HK$31,838
+HK$1,827/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,022/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,417
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,260
−HK$855/mo
Today · 4.125%
HK$33,115
baseline
▲ 0.50% · 4.625%
HK$34,860
+HK$1,745/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,230/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,414 · 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).