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$15,701
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,189
−HK$497/mo
Today · 4.125%
HK$16,686
baseline
▲ 0.50% · 4.625%
HK$17,701
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,372/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,467
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,936
−HK$475/mo
Today · 4.125%
HK$18,411
baseline
▲ 0.50% · 4.625%
HK$19,381
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,822/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,841
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,427
−HK$596/mo
Today · 4.125%
HK$20,023
baseline
▲ 0.50% · 4.625%
HK$21,241
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,046/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,961
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,523
−HK$570/mo
Today · 4.125%
HK$22,093
baseline
▲ 0.50% · 4.625%
HK$23,258
+HK$1,165/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,186/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,981
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,665
−HK$695/mo
Today · 4.125%
HK$23,360
baseline
▲ 0.50% · 4.625%
HK$24,781
+HK$1,421/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,720/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,454
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,110
−HK$665/mo
Today · 4.125%
HK$25,775
baseline
▲ 0.50% · 4.625%
HK$27,134
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,550/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,262
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,141
−HK$893/mo
Today · 4.125%
HK$30,034
baseline
▲ 0.50% · 4.625%
HK$31,862
+HK$1,828/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,068/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,441
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,284
−HK$856/mo
Today · 4.125%
HK$33,140
baseline
▲ 0.50% · 4.625%
HK$34,886
+HK$1,746/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,280/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,569 · 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).