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$15,685
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,173
−HK$496/mo
Today · 4.125%
HK$16,669
baseline
▲ 0.50% · 4.625%
HK$17,683
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,338/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,450
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,918
−HK$475/mo
Today · 4.125%
HK$18,393
baseline
▲ 0.50% · 4.625%
HK$19,362
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,786/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,823
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,408
−HK$595/mo
Today · 4.125%
HK$20,003
baseline
▲ 0.50% · 4.625%
HK$21,220
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,006/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,940
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,501
−HK$570/mo
Today · 4.125%
HK$22,071
baseline
▲ 0.50% · 4.625%
HK$23,235
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,142/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,960
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,643
−HK$694/mo
Today · 4.125%
HK$23,337
baseline
▲ 0.50% · 4.625%
HK$24,757
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,674/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,430
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,085
−HK$665/mo
Today · 4.125%
HK$25,750
baseline
▲ 0.50% · 4.625%
HK$27,107
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,500/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,234
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,112
−HK$892/mo
Today · 4.125%
HK$30,004
baseline
▲ 0.50% · 4.625%
HK$31,830
+HK$1,826/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,008/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,410
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,252
−HK$855/mo
Today · 4.125%
HK$33,107
baseline
▲ 0.50% · 4.625%
HK$34,852
+HK$1,745/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,214/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,365 · 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).