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$15,705
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,193
−HK$496/mo
Today · 4.125%
HK$16,689
baseline
▲ 0.50% · 4.625%
HK$17,705
+HK$1,016/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,378/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,471
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,940
−HK$475/mo
Today · 4.125%
HK$18,415
baseline
▲ 0.50% · 4.625%
HK$19,386
+HK$971/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,830/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,846
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,432
−HK$595/mo
Today · 4.125%
HK$20,027
baseline
▲ 0.50% · 4.625%
HK$21,246
+HK$1,219/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,054/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,966
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,528
−HK$570/mo
Today · 4.125%
HK$22,098
baseline
▲ 0.50% · 4.625%
HK$23,263
+HK$1,165/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,196/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,987
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,670
−HK$695/mo
Today · 4.125%
HK$23,365
baseline
▲ 0.50% · 4.625%
HK$24,787
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,730/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,460
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,116
−HK$665/mo
Today · 4.125%
HK$25,781
baseline
▲ 0.50% · 4.625%
HK$27,140
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,562/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,268
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,148
−HK$893/mo
Today · 4.125%
HK$30,041
baseline
▲ 0.50% · 4.625%
HK$31,869
+HK$1,828/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,082/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,448
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,292
−HK$855/mo
Today · 4.125%
HK$33,147
baseline
▲ 0.50% · 4.625%
HK$34,895
+HK$1,748/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,294/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,618 · 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).