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$15,707
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,195
−HK$497/mo
Today · 4.125%
HK$16,692
baseline
▲ 0.50% · 4.625%
HK$17,707
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,384/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,473
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,942
−HK$475/mo
Today · 4.125%
HK$18,417
baseline
▲ 0.50% · 4.625%
HK$19,388
+HK$971/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,834/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,848
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,434
−HK$596/mo
Today · 4.125%
HK$20,030
baseline
▲ 0.50% · 4.625%
HK$21,249
+HK$1,219/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$40,060/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,968
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,530
−HK$571/mo
Today · 4.125%
HK$22,101
baseline
▲ 0.50% · 4.625%
HK$23,266
+HK$1,165/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$44,202/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,989
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,673
−HK$695/mo
Today · 4.125%
HK$23,368
baseline
▲ 0.50% · 4.625%
HK$24,790
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,736/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,463
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,119
−HK$665/mo
Today · 4.125%
HK$25,784
baseline
▲ 0.50% · 4.625%
HK$27,144
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,568/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,272
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,151
−HK$894/mo
Today · 4.125%
HK$30,045
baseline
▲ 0.50% · 4.625%
HK$31,873
+HK$1,828/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,090/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,452
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,296
−HK$855/mo
Today · 4.125%
HK$33,151
baseline
▲ 0.50% · 4.625%
HK$34,899
+HK$1,748/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,302/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,643 · 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).