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$15,661
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,148
−HK$495/mo
Today · 4.125%
HK$16,643
baseline
▲ 0.50% · 4.625%
HK$17,656
+HK$1,013/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,286/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,423
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,890
−HK$474/mo
Today · 4.125%
HK$18,364
baseline
▲ 0.50% · 4.625%
HK$19,332
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,728/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,793
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,378
−HK$594/mo
Today · 4.125%
HK$19,972
baseline
▲ 0.50% · 4.625%
HK$21,187
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,944/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,907
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,468
−HK$569/mo
Today · 4.125%
HK$22,037
baseline
▲ 0.50% · 4.625%
HK$23,199
+HK$1,162/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,074/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,926
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,608
−HK$693/mo
Today · 4.125%
HK$23,301
baseline
▲ 0.50% · 4.625%
HK$24,718
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,602/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,392
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,046
−HK$664/mo
Today · 4.125%
HK$25,710
baseline
▲ 0.50% · 4.625%
HK$27,065
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,420/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,190
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,067
−HK$891/mo
Today · 4.125%
HK$29,958
baseline
▲ 0.50% · 4.625%
HK$31,781
+HK$1,823/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,916/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,361
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,202
−HK$853/mo
Today · 4.125%
HK$33,055
baseline
▲ 0.50% · 4.625%
HK$34,798
+HK$1,743/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,110/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,045 · 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).