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$15,679
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,167
−HK$496/mo
Today · 4.125%
HK$16,663
baseline
▲ 0.50% · 4.625%
HK$17,677
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,326/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,443
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,911
−HK$475/mo
Today · 4.125%
HK$18,386
baseline
▲ 0.50% · 4.625%
HK$19,355
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,772/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,815
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,401
−HK$594/mo
Today · 4.125%
HK$19,995
baseline
▲ 0.50% · 4.625%
HK$21,212
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$39,990/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,932
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,493
−HK$570/mo
Today · 4.125%
HK$22,063
baseline
▲ 0.50% · 4.625%
HK$23,226
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,126/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,951
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,634
−HK$694/mo
Today · 4.125%
HK$23,328
baseline
▲ 0.50% · 4.625%
HK$24,747
+HK$1,419/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,656/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,420
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,075
−HK$665/mo
Today · 4.125%
HK$25,740
baseline
▲ 0.50% · 4.625%
HK$27,097
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,480/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,223
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,101
−HK$892/mo
Today · 4.125%
HK$29,993
baseline
▲ 0.50% · 4.625%
HK$31,818
+HK$1,825/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$59,986/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,398
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,240
−HK$854/mo
Today · 4.125%
HK$33,094
baseline
▲ 0.50% · 4.625%
HK$34,838
+HK$1,744/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,188/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,285 · 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).