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$15,680
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,168
−HK$495/mo
Today · 4.125%
HK$16,663
baseline
▲ 0.50% · 4.625%
HK$17,677
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,326/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,444
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,912
−HK$474/mo
Today · 4.125%
HK$18,386
baseline
▲ 0.50% · 4.625%
HK$19,355
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,772/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,816
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,401
−HK$595/mo
Today · 4.125%
HK$19,996
baseline
▲ 0.50% · 4.625%
HK$21,212
+HK$1,216/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$39,992/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,932
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,494
−HK$569/mo
Today · 4.125%
HK$22,063
baseline
▲ 0.50% · 4.625%
HK$23,226
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,126/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,952
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,635
−HK$693/mo
Today · 4.125%
HK$23,328
baseline
▲ 0.50% · 4.625%
HK$24,748
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,656/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,421
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,076
−HK$665/mo
Today · 4.125%
HK$25,741
baseline
▲ 0.50% · 4.625%
HK$27,097
+HK$1,356/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,482/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,224
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,102
−HK$892/mo
Today · 4.125%
HK$29,994
baseline
▲ 0.50% · 4.625%
HK$31,819
+HK$1,825/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$59,988/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,399
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,241
−HK$854/mo
Today · 4.125%
HK$33,095
baseline
▲ 0.50% · 4.625%
HK$34,840
+HK$1,745/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,190/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,292 · 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).