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$15,713
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,202
−HK$496/mo
Today · 4.125%
HK$16,698
baseline
▲ 0.50% · 4.625%
HK$17,714
+HK$1,016/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,396/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,481
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,949
−HK$476/mo
Today · 4.125%
HK$18,425
baseline
▲ 0.50% · 4.625%
HK$19,396
+HK$971/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,850/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,856
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,442
−HK$596/mo
Today · 4.125%
HK$20,038
baseline
▲ 0.50% · 4.625%
HK$21,257
+HK$1,219/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$40,076/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,977
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,539
−HK$571/mo
Today · 4.125%
HK$22,110
baseline
▲ 0.50% · 4.625%
HK$23,275
+HK$1,165/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$44,220/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,998
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,682
−HK$696/mo
Today · 4.125%
HK$23,378
baseline
▲ 0.50% · 4.625%
HK$24,800
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,756/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,473
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,129
−HK$666/mo
Today · 4.125%
HK$25,795
baseline
▲ 0.50% · 4.625%
HK$27,155
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,590/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,283
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,163
−HK$894/mo
Today · 4.125%
HK$30,057
baseline
▲ 0.50% · 4.625%
HK$31,886
+HK$1,829/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,114/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,465
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,309
−HK$856/mo
Today · 4.125%
HK$33,165
baseline
▲ 0.50% · 4.625%
HK$34,913
+HK$1,748/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,330/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,727 · 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).