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$15,621
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,107
−HK$494/mo
Today · 4.125%
HK$16,601
baseline
▲ 0.50% · 4.625%
HK$17,611
+HK$1,010/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,202/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,379
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,845
−HK$472/mo
Today · 4.125%
HK$18,317
baseline
▲ 0.50% · 4.625%
HK$19,283
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,634/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,746
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,329
−HK$592/mo
Today · 4.125%
HK$19,921
baseline
▲ 0.50% · 4.625%
HK$21,133
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,842/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,854
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,414
−HK$567/mo
Today · 4.125%
HK$21,981
baseline
▲ 0.50% · 4.625%
HK$23,140
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,962/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,870
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,550
−HK$691/mo
Today · 4.125%
HK$23,241
baseline
▲ 0.50% · 4.625%
HK$24,655
+HK$1,414/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,482/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,330
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,982
−HK$662/mo
Today · 4.125%
HK$25,644
baseline
▲ 0.50% · 4.625%
HK$26,996
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,288/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,118
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$28,993
−HK$889/mo
Today · 4.125%
HK$29,882
baseline
▲ 0.50% · 4.625%
HK$31,700
+HK$1,818/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,764/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,281
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,120
−HK$851/mo
Today · 4.125%
HK$32,971
baseline
▲ 0.50% · 4.625%
HK$34,709
+HK$1,738/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,942/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,521 · 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).