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$15,689
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,177
−HK$496/mo
Today · 4.125%
HK$16,673
baseline
▲ 0.50% · 4.625%
HK$17,687
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,346/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,454
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,922
−HK$475/mo
Today · 4.125%
HK$18,397
baseline
▲ 0.50% · 4.625%
HK$19,366
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,794/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,827
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,412
−HK$595/mo
Today · 4.125%
HK$20,007
baseline
▲ 0.50% · 4.625%
HK$21,225
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,014/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,944
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,506
−HK$570/mo
Today · 4.125%
HK$22,076
baseline
▲ 0.50% · 4.625%
HK$23,240
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,152/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,964
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,648
−HK$694/mo
Today · 4.125%
HK$23,342
baseline
▲ 0.50% · 4.625%
HK$24,762
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,684/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,435
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,091
−HK$664/mo
Today · 4.125%
HK$25,755
baseline
▲ 0.50% · 4.625%
HK$27,113
+HK$1,358/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,510/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,240
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,118
−HK$893/mo
Today · 4.125%
HK$30,011
baseline
▲ 0.50% · 4.625%
HK$31,837
+HK$1,826/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,022/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,417
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,259
−HK$855/mo
Today · 4.125%
HK$33,114
baseline
▲ 0.50% · 4.625%
HK$34,860
+HK$1,746/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,228/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,410 · 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).