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$15,700
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,188
−HK$497/mo
Today · 4.125%
HK$16,685
baseline
▲ 0.50% · 4.625%
HK$17,700
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,370/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,466
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,935
−HK$475/mo
Today · 4.125%
HK$18,410
baseline
▲ 0.50% · 4.625%
HK$19,380
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,820/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,840
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,426
−HK$595/mo
Today · 4.125%
HK$20,021
baseline
▲ 0.50% · 4.625%
HK$21,240
+HK$1,219/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,042/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,959
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,521
−HK$571/mo
Today · 4.125%
HK$22,092
baseline
▲ 0.50% · 4.625%
HK$23,256
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,184/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,980
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,664
−HK$694/mo
Today · 4.125%
HK$23,358
baseline
▲ 0.50% · 4.625%
HK$24,780
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,716/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,453
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,108
−HK$666/mo
Today · 4.125%
HK$25,774
baseline
▲ 0.50% · 4.625%
HK$27,132
+HK$1,358/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,548/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,260
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,139
−HK$893/mo
Today · 4.125%
HK$30,032
baseline
▲ 0.50% · 4.625%
HK$31,860
+HK$1,828/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,064/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,439
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,282
−HK$855/mo
Today · 4.125%
HK$33,137
baseline
▲ 0.50% · 4.625%
HK$34,884
+HK$1,747/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,274/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,556 · 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).