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$15,706
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,194
−HK$497/mo
Today · 4.125%
HK$16,691
baseline
▲ 0.50% · 4.625%
HK$17,706
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,382/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,472
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,941
−HK$475/mo
Today · 4.125%
HK$18,416
baseline
▲ 0.50% · 4.625%
HK$19,387
+HK$971/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,832/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,847
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,433
−HK$596/mo
Today · 4.125%
HK$20,029
baseline
▲ 0.50% · 4.625%
HK$21,247
+HK$1,218/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$40,058/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,967
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,529
−HK$571/mo
Today · 4.125%
HK$22,100
baseline
▲ 0.50% · 4.625%
HK$23,265
+HK$1,165/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$44,200/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,988
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,672
−HK$695/mo
Today · 4.125%
HK$23,367
baseline
▲ 0.50% · 4.625%
HK$24,789
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,734/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,461
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,118
−HK$665/mo
Today · 4.125%
HK$25,783
baseline
▲ 0.50% · 4.625%
HK$27,142
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,566/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,270
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,150
−HK$893/mo
Today · 4.125%
HK$30,043
baseline
▲ 0.50% · 4.625%
HK$31,871
+HK$1,828/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,086/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,450
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,294
−HK$856/mo
Today · 4.125%
HK$33,150
baseline
▲ 0.50% · 4.625%
HK$34,897
+HK$1,747/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,300/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,632 · 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).