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$15,634
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,120
−HK$494/mo
Today · 4.125%
HK$16,614
baseline
▲ 0.50% · 4.625%
HK$17,625
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,228/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,392
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,859
−HK$473/mo
Today · 4.125%
HK$18,332
baseline
▲ 0.50% · 4.625%
HK$19,298
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,664/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,760
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,344
−HK$593/mo
Today · 4.125%
HK$19,937
baseline
▲ 0.50% · 4.625%
HK$21,150
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,874/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,871
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,430
−HK$568/mo
Today · 4.125%
HK$21,998
baseline
▲ 0.50% · 4.625%
HK$23,158
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,996/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,887
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,568
−HK$692/mo
Today · 4.125%
HK$23,260
baseline
▲ 0.50% · 4.625%
HK$24,675
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,520/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,349
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,002
−HK$663/mo
Today · 4.125%
HK$25,665
baseline
▲ 0.50% · 4.625%
HK$27,017
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,330/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,140
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,016
−HK$889/mo
Today · 4.125%
HK$29,905
baseline
▲ 0.50% · 4.625%
HK$31,725
+HK$1,820/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,810/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,306
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,146
−HK$851/mo
Today · 4.125%
HK$32,997
baseline
▲ 0.50% · 4.625%
HK$34,737
+HK$1,740/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$65,994/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,682 · 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).