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$15,708
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,197
−HK$496/mo
Today · 4.125%
HK$16,693
baseline
▲ 0.50% · 4.625%
HK$17,709
+HK$1,016/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,386/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,475
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,944
−HK$475/mo
Today · 4.125%
HK$18,419
baseline
▲ 0.50% · 4.625%
HK$19,390
+HK$971/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,838/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,850
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,436
−HK$596/mo
Today · 4.125%
HK$20,032
baseline
▲ 0.50% · 4.625%
HK$21,251
+HK$1,219/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$40,064/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,970
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,533
−HK$570/mo
Today · 4.125%
HK$22,103
baseline
▲ 0.50% · 4.625%
HK$23,268
+HK$1,165/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$44,206/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,991
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,675
−HK$695/mo
Today · 4.125%
HK$23,370
baseline
▲ 0.50% · 4.625%
HK$24,792
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,740/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,465
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,121
−HK$666/mo
Today · 4.125%
HK$25,787
baseline
▲ 0.50% · 4.625%
HK$27,146
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,574/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,275
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,154
−HK$894/mo
Today · 4.125%
HK$30,048
baseline
▲ 0.50% · 4.625%
HK$31,876
+HK$1,828/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,096/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,455
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,299
−HK$856/mo
Today · 4.125%
HK$33,155
baseline
▲ 0.50% · 4.625%
HK$34,902
+HK$1,747/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,310/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,663 · 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).