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$15,675
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,162
−HK$496/mo
Today · 4.125%
HK$16,658
baseline
▲ 0.50% · 4.625%
HK$17,671
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,316/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,438
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,906
−HK$474/mo
Today · 4.125%
HK$18,380
baseline
▲ 0.50% · 4.625%
HK$19,349
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,760/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,810
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,395
−HK$594/mo
Today · 4.125%
HK$19,989
baseline
▲ 0.50% · 4.625%
HK$21,206
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,978/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,926
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,487
−HK$569/mo
Today · 4.125%
HK$22,056
baseline
▲ 0.50% · 4.625%
HK$23,219
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,112/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,945
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,627
−HK$694/mo
Today · 4.125%
HK$23,321
baseline
▲ 0.50% · 4.625%
HK$24,740
+HK$1,419/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,642/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,413
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,068
−HK$664/mo
Today · 4.125%
HK$25,732
baseline
▲ 0.50% · 4.625%
HK$27,089
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,464/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,215
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,092
−HK$892/mo
Today · 4.125%
HK$29,984
baseline
▲ 0.50% · 4.625%
HK$31,809
+HK$1,825/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$59,968/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,389
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,231
−HK$854/mo
Today · 4.125%
HK$33,085
baseline
▲ 0.50% · 4.625%
HK$34,829
+HK$1,744/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$66,170/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,226 · 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).