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$15,664
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,151
−HK$495/mo
Today · 4.125%
HK$16,646
baseline
▲ 0.50% · 4.625%
HK$17,659
+HK$1,013/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,292/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,426
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,893
−HK$474/mo
Today · 4.125%
HK$18,367
baseline
▲ 0.50% · 4.625%
HK$19,335
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,734/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,796
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,381
−HK$594/mo
Today · 4.125%
HK$19,975
baseline
▲ 0.50% · 4.625%
HK$21,191
+HK$1,216/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,950/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,911
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,472
−HK$569/mo
Today · 4.125%
HK$22,041
baseline
▲ 0.50% · 4.625%
HK$23,202
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,082/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,929
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,611
−HK$693/mo
Today · 4.125%
HK$23,304
baseline
▲ 0.50% · 4.625%
HK$24,722
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,608/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,396
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,050
−HK$664/mo
Today · 4.125%
HK$25,714
baseline
▲ 0.50% · 4.625%
HK$27,069
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,428/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,195
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,072
−HK$891/mo
Today · 4.125%
HK$29,963
baseline
▲ 0.50% · 4.625%
HK$31,786
+HK$1,823/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,926/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,366
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,207
−HK$854/mo
Today · 4.125%
HK$33,061
baseline
▲ 0.50% · 4.625%
HK$34,804
+HK$1,743/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,122/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,078 · 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).