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$15,684
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,172
−HK$496/mo
Today · 4.125%
HK$16,668
baseline
▲ 0.50% · 4.625%
HK$17,682
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,336/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,448
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,916
−HK$475/mo
Today · 4.125%
HK$18,391
baseline
▲ 0.50% · 4.625%
HK$19,361
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,782/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,821
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,406
−HK$595/mo
Today · 4.125%
HK$20,001
baseline
▲ 0.50% · 4.625%
HK$21,218
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,002/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,938
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,500
−HK$569/mo
Today · 4.125%
HK$22,069
baseline
▲ 0.50% · 4.625%
HK$23,233
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,138/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,958
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,641
−HK$694/mo
Today · 4.125%
HK$23,335
baseline
▲ 0.50% · 4.625%
HK$24,755
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,670/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,428
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,083
−HK$665/mo
Today · 4.125%
HK$25,748
baseline
▲ 0.50% · 4.625%
HK$27,105
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,496/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,231
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,110
−HK$892/mo
Today · 4.125%
HK$30,002
baseline
▲ 0.50% · 4.625%
HK$31,827
+HK$1,825/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,004/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,407
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,249
−HK$855/mo
Today · 4.125%
HK$33,104
baseline
▲ 0.50% · 4.625%
HK$34,849
+HK$1,745/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,208/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,347 · 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).