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$15,690
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,178
−HK$496/mo
Today · 4.125%
HK$16,674
baseline
▲ 0.50% · 4.625%
HK$17,688
+HK$1,014/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,348/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,455
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,923
−HK$475/mo
Today · 4.125%
HK$18,398
baseline
▲ 0.50% · 4.625%
HK$19,367
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,796/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,828
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,413
−HK$595/mo
Today · 4.125%
HK$20,008
baseline
▲ 0.50% · 4.625%
HK$21,226
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,016/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,945
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,507
−HK$570/mo
Today · 4.125%
HK$22,077
baseline
▲ 0.50% · 4.625%
HK$23,241
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,154/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,965
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,649
−HK$694/mo
Today · 4.125%
HK$23,343
baseline
▲ 0.50% · 4.625%
HK$24,763
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,686/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,436
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,092
−HK$665/mo
Today · 4.125%
HK$25,757
baseline
▲ 0.50% · 4.625%
HK$27,114
+HK$1,357/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,514/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,241
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,120
−HK$892/mo
Today · 4.125%
HK$30,012
baseline
▲ 0.50% · 4.625%
HK$31,839
+HK$1,827/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,024/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,418
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,261
−HK$855/mo
Today · 4.125%
HK$33,116
baseline
▲ 0.50% · 4.625%
HK$34,861
+HK$1,745/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,232/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,420 · 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).