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$15,671
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,159
−HK$495/mo
Today · 4.125%
HK$16,654
baseline
▲ 0.50% · 4.625%
HK$17,667
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,308/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,434
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,902
−HK$474/mo
Today · 4.125%
HK$18,376
baseline
▲ 0.50% · 4.625%
HK$19,345
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,752/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,806
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,391
−HK$594/mo
Today · 4.125%
HK$19,985
baseline
▲ 0.50% · 4.625%
HK$21,201
+HK$1,216/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,970/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,921
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,482
−HK$569/mo
Today · 4.125%
HK$22,051
baseline
▲ 0.50% · 4.625%
HK$23,214
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,102/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,940
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,622
−HK$694/mo
Today · 4.125%
HK$23,316
baseline
▲ 0.50% · 4.625%
HK$24,734
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,632/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,408
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,063
−HK$664/mo
Today · 4.125%
HK$25,727
baseline
▲ 0.50% · 4.625%
HK$27,083
+HK$1,356/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,454/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,208
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,086
−HK$891/mo
Today · 4.125%
HK$29,977
baseline
▲ 0.50% · 4.625%
HK$31,801
+HK$1,824/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$59,954/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,382
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,223
−HK$854/mo
Today · 4.125%
HK$33,077
baseline
▲ 0.50% · 4.625%
HK$34,821
+HK$1,744/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$66,154/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,179 · 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).