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$15,635
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,121
−HK$494/mo
Today · 4.125%
HK$16,615
baseline
▲ 0.50% · 4.625%
HK$17,626
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,230/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,393
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,860
−HK$473/mo
Today · 4.125%
HK$18,333
baseline
▲ 0.50% · 4.625%
HK$19,300
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,666/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,762
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,345
−HK$593/mo
Today · 4.125%
HK$19,938
baseline
▲ 0.50% · 4.625%
HK$21,151
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,876/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,872
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,432
−HK$568/mo
Today · 4.125%
HK$22,000
baseline
▲ 0.50% · 4.625%
HK$23,159
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$44,000/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,889
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,570
−HK$691/mo
Today · 4.125%
HK$23,261
baseline
▲ 0.50% · 4.625%
HK$24,677
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,522/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,351
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$25,004
−HK$662/mo
Today · 4.125%
HK$25,666
baseline
▲ 0.50% · 4.625%
HK$27,019
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,332/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,143
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,018
−HK$889/mo
Today · 4.125%
HK$29,907
baseline
▲ 0.50% · 4.625%
HK$31,727
+HK$1,820/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,814/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,308
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,148
−HK$852/mo
Today · 4.125%
HK$33,000
baseline
▲ 0.50% · 4.625%
HK$34,739
+HK$1,739/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$66,000/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,698 · 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).