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$15,647
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,134
−HK$494/mo
Today · 4.125%
HK$16,628
baseline
▲ 0.50% · 4.625%
HK$17,640
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,256/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,407
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,874
−HK$473/mo
Today · 4.125%
HK$18,347
baseline
▲ 0.50% · 4.625%
HK$19,315
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,694/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,776
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,360
−HK$594/mo
Today · 4.125%
HK$19,954
baseline
▲ 0.50% · 4.625%
HK$21,168
+HK$1,214/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,908/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,888
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,449
−HK$568/mo
Today · 4.125%
HK$22,017
baseline
▲ 0.50% · 4.625%
HK$23,178
+HK$1,161/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,034/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,906
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,587
−HK$692/mo
Today · 4.125%
HK$23,279
baseline
▲ 0.50% · 4.625%
HK$24,696
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,558/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,370
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,023
−HK$663/mo
Today · 4.125%
HK$25,686
baseline
▲ 0.50% · 4.625%
HK$27,040
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,372/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,164
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,040
−HK$891/mo
Today · 4.125%
HK$29,931
baseline
▲ 0.50% · 4.625%
HK$31,752
+HK$1,821/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,862/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,333
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,173
−HK$852/mo
Today · 4.125%
HK$33,025
baseline
▲ 0.50% · 4.625%
HK$34,766
+HK$1,741/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,050/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,858 · 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).