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$15,710
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,198
−HK$497/mo
Today · 4.125%
HK$16,695
baseline
▲ 0.50% · 4.625%
HK$17,711
+HK$1,016/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,390/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,477
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,945
−HK$476/mo
Today · 4.125%
HK$18,421
baseline
▲ 0.50% · 4.625%
HK$19,392
+HK$971/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,842/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,851
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,438
−HK$596/mo
Today · 4.125%
HK$20,034
baseline
▲ 0.50% · 4.625%
HK$21,253
+HK$1,219/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$40,068/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,972
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,535
−HK$570/mo
Today · 4.125%
HK$22,105
baseline
▲ 0.50% · 4.625%
HK$23,270
+HK$1,165/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$44,210/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,993
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,677
−HK$696/mo
Today · 4.125%
HK$23,373
baseline
▲ 0.50% · 4.625%
HK$24,795
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,746/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,467
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,124
−HK$665/mo
Today · 4.125%
HK$25,789
baseline
▲ 0.50% · 4.625%
HK$27,149
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,578/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,277
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,157
−HK$893/mo
Today · 4.125%
HK$30,050
baseline
▲ 0.50% · 4.625%
HK$31,879
+HK$1,829/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,100/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,458
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,302
−HK$856/mo
Today · 4.125%
HK$33,158
baseline
▲ 0.50% · 4.625%
HK$34,905
+HK$1,747/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,316/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,682 · 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).