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$15,653
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,140
−HK$495/mo
Today · 4.125%
HK$16,635
baseline
▲ 0.50% · 4.625%
HK$17,647
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,270/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,414
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,881
−HK$474/mo
Today · 4.125%
HK$18,355
baseline
▲ 0.50% · 4.625%
HK$19,322
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,710/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,784
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,368
−HK$594/mo
Today · 4.125%
HK$19,962
baseline
▲ 0.50% · 4.625%
HK$21,176
+HK$1,214/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,924/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,897
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,457
−HK$569/mo
Today · 4.125%
HK$22,026
baseline
▲ 0.50% · 4.625%
HK$23,187
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,052/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,914
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,596
−HK$693/mo
Today · 4.125%
HK$23,289
baseline
▲ 0.50% · 4.625%
HK$24,706
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,578/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,379
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,033
−HK$664/mo
Today · 4.125%
HK$25,697
baseline
▲ 0.50% · 4.625%
HK$27,051
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,394/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,176
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,052
−HK$890/mo
Today · 4.125%
HK$29,942
baseline
▲ 0.50% · 4.625%
HK$31,764
+HK$1,822/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,884/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,345
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,186
−HK$853/mo
Today · 4.125%
HK$33,039
baseline
▲ 0.50% · 4.625%
HK$34,780
+HK$1,741/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,078/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,939 · 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).