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$15,670
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,157
−HK$496/mo
Today · 4.125%
HK$16,653
baseline
▲ 0.50% · 4.625%
HK$17,666
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,306/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,433
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,900
−HK$475/mo
Today · 4.125%
HK$18,375
baseline
▲ 0.50% · 4.625%
HK$19,343
+HK$968/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,750/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,804
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,389
−HK$594/mo
Today · 4.125%
HK$19,983
baseline
▲ 0.50% · 4.625%
HK$21,199
+HK$1,216/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,966/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,919
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,480
−HK$569/mo
Today · 4.125%
HK$22,049
baseline
▲ 0.50% · 4.625%
HK$23,212
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,098/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,938
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,620
−HK$694/mo
Today · 4.125%
HK$23,314
baseline
▲ 0.50% · 4.625%
HK$24,732
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,628/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,406
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,060
−HK$664/mo
Today · 4.125%
HK$25,724
baseline
▲ 0.50% · 4.625%
HK$27,080
+HK$1,356/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,448/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,206
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,083
−HK$892/mo
Today · 4.125%
HK$29,975
baseline
▲ 0.50% · 4.625%
HK$31,799
+HK$1,824/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,950/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,379
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,220
−HK$854/mo
Today · 4.125%
HK$33,074
baseline
▲ 0.50% · 4.625%
HK$34,818
+HK$1,744/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,148/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,162 · 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).