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$15,704
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,193
−HK$496/mo
Today · 4.125%
HK$16,689
baseline
▲ 0.50% · 4.625%
HK$17,705
+HK$1,016/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,378/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,471
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,939
−HK$476/mo
Today · 4.125%
HK$18,415
baseline
▲ 0.50% · 4.625%
HK$19,385
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,830/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,845
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,431
−HK$596/mo
Today · 4.125%
HK$20,027
baseline
▲ 0.50% · 4.625%
HK$21,245
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,054/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,965
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,527
−HK$571/mo
Today · 4.125%
HK$22,098
baseline
▲ 0.50% · 4.625%
HK$23,262
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,196/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,986
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,670
−HK$695/mo
Today · 4.125%
HK$23,365
baseline
▲ 0.50% · 4.625%
HK$24,786
+HK$1,421/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,730/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,459
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,115
−HK$666/mo
Today · 4.125%
HK$25,781
baseline
▲ 0.50% · 4.625%
HK$27,140
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,562/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,268
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,147
−HK$893/mo
Today · 4.125%
HK$30,040
baseline
▲ 0.50% · 4.625%
HK$31,868
+HK$1,828/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,080/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,447
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,291
−HK$855/mo
Today · 4.125%
HK$33,146
baseline
▲ 0.50% · 4.625%
HK$34,894
+HK$1,748/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,292/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,612 · 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).