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$15,649
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,136
−HK$495/mo
Today · 4.125%
HK$16,631
baseline
▲ 0.50% · 4.625%
HK$17,642
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,262/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,410
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,877
−HK$473/mo
Today · 4.125%
HK$18,350
baseline
▲ 0.50% · 4.625%
HK$19,317
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,700/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,779
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,363
−HK$594/mo
Today · 4.125%
HK$19,957
baseline
▲ 0.50% · 4.625%
HK$21,171
+HK$1,214/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,914/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,892
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,452
−HK$568/mo
Today · 4.125%
HK$22,020
baseline
▲ 0.50% · 4.625%
HK$23,181
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,040/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,909
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,590
−HK$693/mo
Today · 4.125%
HK$23,283
baseline
▲ 0.50% · 4.625%
HK$24,699
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,566/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,373
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,027
−HK$663/mo
Today · 4.125%
HK$25,690
baseline
▲ 0.50% · 4.625%
HK$27,044
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,380/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,169
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,045
−HK$890/mo
Today · 4.125%
HK$29,935
baseline
▲ 0.50% · 4.625%
HK$31,756
+HK$1,821/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,870/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,337
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,178
−HK$852/mo
Today · 4.125%
HK$33,030
baseline
▲ 0.50% · 4.625%
HK$34,771
+HK$1,741/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,060/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,888 · 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).