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$15,692
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,180
−HK$496/mo
Today · 4.125%
HK$16,676
baseline
▲ 0.50% · 4.625%
HK$17,690
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,352/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,457
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,925
−HK$475/mo
Today · 4.125%
HK$18,400
baseline
▲ 0.50% · 4.625%
HK$19,370
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,800/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,830
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,416
−HK$595/mo
Today · 4.125%
HK$20,011
baseline
▲ 0.50% · 4.625%
HK$21,228
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,022/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,948
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,510
−HK$570/mo
Today · 4.125%
HK$22,080
baseline
▲ 0.50% · 4.625%
HK$23,244
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,160/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,968
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,652
−HK$694/mo
Today · 4.125%
HK$23,346
baseline
▲ 0.50% · 4.625%
HK$24,766
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,692/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,440
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,095
−HK$665/mo
Today · 4.125%
HK$25,760
baseline
▲ 0.50% · 4.625%
HK$27,118
+HK$1,358/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,520/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,245
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,124
−HK$892/mo
Today · 4.125%
HK$30,016
baseline
▲ 0.50% · 4.625%
HK$31,843
+HK$1,827/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,032/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,422
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,265
−HK$855/mo
Today · 4.125%
HK$33,120
baseline
▲ 0.50% · 4.625%
HK$34,866
+HK$1,746/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,240/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,446 · 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).