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$15,695
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,183
−HK$496/mo
Today · 4.125%
HK$16,679
baseline
▲ 0.50% · 4.625%
HK$17,694
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,358/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,460
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,928
−HK$475/mo
Today · 4.125%
HK$18,403
baseline
▲ 0.50% · 4.625%
HK$19,373
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,806/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,833
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,419
−HK$596/mo
Today · 4.125%
HK$20,015
baseline
▲ 0.50% · 4.625%
HK$21,232
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,030/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,952
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,514
−HK$570/mo
Today · 4.125%
HK$22,084
baseline
▲ 0.50% · 4.625%
HK$23,248
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,168/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,972
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,656
−HK$694/mo
Today · 4.125%
HK$23,350
baseline
▲ 0.50% · 4.625%
HK$24,771
+HK$1,421/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,700/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,444
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,100
−HK$665/mo
Today · 4.125%
HK$25,765
baseline
▲ 0.50% · 4.625%
HK$27,123
+HK$1,358/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,530/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,250
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,129
−HK$893/mo
Today · 4.125%
HK$30,022
baseline
▲ 0.50% · 4.625%
HK$31,849
+HK$1,827/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,044/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,428
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,271
−HK$855/mo
Today · 4.125%
HK$33,126
baseline
▲ 0.50% · 4.625%
HK$34,872
+HK$1,746/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,252/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,485 · 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).