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$15,667
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,154
−HK$495/mo
Today · 4.125%
HK$16,649
baseline
▲ 0.50% · 4.625%
HK$17,662
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,298/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,429
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,897
−HK$474/mo
Today · 4.125%
HK$18,371
baseline
▲ 0.50% · 4.625%
HK$19,339
+HK$968/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,742/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,800
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,385
−HK$594/mo
Today · 4.125%
HK$19,979
baseline
▲ 0.50% · 4.625%
HK$21,195
+HK$1,216/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,958/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,915
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,476
−HK$569/mo
Today · 4.125%
HK$22,045
baseline
▲ 0.50% · 4.625%
HK$23,207
+HK$1,162/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,090/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,934
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,616
−HK$693/mo
Today · 4.125%
HK$23,309
baseline
▲ 0.50% · 4.625%
HK$24,727
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,618/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,401
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,055
−HK$664/mo
Today · 4.125%
HK$25,719
baseline
▲ 0.50% · 4.625%
HK$27,075
+HK$1,356/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,438/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,201
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,078
−HK$891/mo
Today · 4.125%
HK$29,969
baseline
▲ 0.50% · 4.625%
HK$31,792
+HK$1,823/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,938/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,373
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,214
−HK$854/mo
Today · 4.125%
HK$33,068
baseline
▲ 0.50% · 4.625%
HK$34,811
+HK$1,743/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,136/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,121 · 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).