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$15,706
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,195
−HK$496/mo
Today · 4.125%
HK$16,691
baseline
▲ 0.50% · 4.625%
HK$17,707
+HK$1,016/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,382/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,473
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,941
−HK$476/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$206,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,847
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,434
−HK$595/mo
Today · 4.125%
HK$20,029
baseline
▲ 0.50% · 4.625%
HK$21,248
+HK$1,219/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$40,058/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,967
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,530
−HK$570/mo
Today · 4.125%
HK$22,100
baseline
▲ 0.50% · 4.625%
HK$23,265
+HK$1,165/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$44,200/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,989
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,673
−HK$694/mo
Today · 4.125%
HK$23,367
baseline
▲ 0.50% · 4.625%
HK$24,789
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,734/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,462
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,118
−HK$666/mo
Today · 4.125%
HK$25,784
baseline
▲ 0.50% · 4.625%
HK$27,143
+HK$1,359/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$206,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,271
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,150
−HK$894/mo
Today · 4.125%
HK$30,044
baseline
▲ 0.50% · 4.625%
HK$31,872
+HK$1,828/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,088/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,451
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,295
−HK$855/mo
Today · 4.125%
HK$33,150
baseline
▲ 0.50% · 4.625%
HK$34,898
+HK$1,748/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,300/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,636 · 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).