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$15,666
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,153
−HK$495/mo
Today · 4.125%
HK$16,648
baseline
▲ 0.50% · 4.625%
HK$17,661
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,296/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,428
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,895
−HK$475/mo
Today · 4.125%
HK$18,370
baseline
▲ 0.50% · 4.625%
HK$19,338
+HK$968/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,740/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,799
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,384
−HK$594/mo
Today · 4.125%
HK$19,978
baseline
▲ 0.50% · 4.625%
HK$21,193
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,956/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,914
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,475
−HK$569/mo
Today · 4.125%
HK$22,044
baseline
▲ 0.50% · 4.625%
HK$23,206
+HK$1,162/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,088/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,932
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,614
−HK$694/mo
Today · 4.125%
HK$23,308
baseline
▲ 0.50% · 4.625%
HK$24,726
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,616/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,399
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,054
−HK$664/mo
Today · 4.125%
HK$25,718
baseline
▲ 0.50% · 4.625%
HK$27,073
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,436/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,198
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,076
−HK$891/mo
Today · 4.125%
HK$29,967
baseline
▲ 0.50% · 4.625%
HK$31,790
+HK$1,823/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,934/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,371
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,212
−HK$853/mo
Today · 4.125%
HK$33,065
baseline
▲ 0.50% · 4.625%
HK$34,808
+HK$1,743/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,130/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,107 · 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).