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$15,699
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,187
−HK$497/mo
Today · 4.125%
HK$16,684
baseline
▲ 0.50% · 4.625%
HK$17,699
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,368/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,465
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,933
−HK$476/mo
Today · 4.125%
HK$18,409
baseline
▲ 0.50% · 4.625%
HK$19,379
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,818/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,839
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,425
−HK$595/mo
Today · 4.125%
HK$20,020
baseline
▲ 0.50% · 4.625%
HK$21,238
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,040/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,958
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,520
−HK$570/mo
Today · 4.125%
HK$22,090
baseline
▲ 0.50% · 4.625%
HK$23,255
+HK$1,165/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,180/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,979
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,662
−HK$695/mo
Today · 4.125%
HK$23,357
baseline
▲ 0.50% · 4.625%
HK$24,778
+HK$1,421/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,714/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,451
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,107
−HK$665/mo
Today · 4.125%
HK$25,772
baseline
▲ 0.50% · 4.625%
HK$27,131
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,544/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,258
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,137
−HK$893/mo
Today · 4.125%
HK$30,030
baseline
▲ 0.50% · 4.625%
HK$31,858
+HK$1,828/mo
Deposit HK$688K · loan HK$6.20M · min. income ≈ HK$60,060/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,437
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,280
−HK$856/mo
Today · 4.125%
HK$33,136
baseline
▲ 0.50% · 4.625%
HK$34,882
+HK$1,746/mo
Deposit HK$688K · loan HK$6.20M · min. income ≈ HK$66,272/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,544 · 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).