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$15,676
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,164
−HK$496/mo
Today · 4.125%
HK$16,660
baseline
▲ 0.50% · 4.625%
HK$17,673
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,320/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,440
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,908
−HK$474/mo
Today · 4.125%
HK$18,382
baseline
▲ 0.50% · 4.625%
HK$19,351
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,764/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,812
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,397
−HK$594/mo
Today · 4.125%
HK$19,991
baseline
▲ 0.50% · 4.625%
HK$21,208
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,982/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,928
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,489
−HK$570/mo
Today · 4.125%
HK$22,059
baseline
▲ 0.50% · 4.625%
HK$23,221
+HK$1,162/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,118/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,947
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,630
−HK$693/mo
Today · 4.125%
HK$23,323
baseline
▲ 0.50% · 4.625%
HK$24,742
+HK$1,419/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,646/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,416
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,071
−HK$664/mo
Today · 4.125%
HK$25,735
baseline
▲ 0.50% · 4.625%
HK$27,092
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,470/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,218
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,095
−HK$892/mo
Today · 4.125%
HK$29,987
baseline
▲ 0.50% · 4.625%
HK$31,812
+HK$1,825/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$59,974/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,392
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,234
−HK$854/mo
Today · 4.125%
HK$33,088
baseline
▲ 0.50% · 4.625%
HK$34,832
+HK$1,744/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$66,176/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,247 · 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).