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$15,692
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,180
−HK$496/mo
Today · 4.125%
HK$16,676
baseline
▲ 0.50% · 4.625%
HK$17,691
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,352/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,457
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,926
−HK$474/mo
Today · 4.125%
HK$18,400
baseline
▲ 0.50% · 4.625%
HK$19,370
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,800/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,831
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,416
−HK$595/mo
Today · 4.125%
HK$20,011
baseline
▲ 0.50% · 4.625%
HK$21,229
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,022/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,949
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,511
−HK$570/mo
Today · 4.125%
HK$22,081
baseline
▲ 0.50% · 4.625%
HK$23,244
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,162/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,969
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,652
−HK$695/mo
Today · 4.125%
HK$23,347
baseline
▲ 0.50% · 4.625%
HK$24,767
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,694/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,440
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,096
−HK$665/mo
Today · 4.125%
HK$25,761
baseline
▲ 0.50% · 4.625%
HK$27,119
+HK$1,358/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,522/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,246
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,124
−HK$893/mo
Today · 4.125%
HK$30,017
baseline
▲ 0.50% · 4.625%
HK$31,844
+HK$1,827/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,034/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,423
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,266
−HK$855/mo
Today · 4.125%
HK$33,121
baseline
▲ 0.50% · 4.625%
HK$34,867
+HK$1,746/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,242/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,453 · 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).