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$15,654
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,141
−HK$495/mo
Today · 4.125%
HK$16,636
baseline
▲ 0.50% · 4.625%
HK$17,648
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,272/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,415
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,882
−HK$474/mo
Today · 4.125%
HK$18,356
baseline
▲ 0.50% · 4.625%
HK$19,324
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,712/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,785
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,370
−HK$593/mo
Today · 4.125%
HK$19,963
baseline
▲ 0.50% · 4.625%
HK$21,178
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,926/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,898
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,459
−HK$569/mo
Today · 4.125%
HK$22,028
baseline
▲ 0.50% · 4.625%
HK$23,189
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,056/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,916
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,598
−HK$693/mo
Today · 4.125%
HK$23,291
baseline
▲ 0.50% · 4.625%
HK$24,708
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,582/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,382
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,035
−HK$664/mo
Today · 4.125%
HK$25,699
baseline
▲ 0.50% · 4.625%
HK$27,053
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,398/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,178
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,054
−HK$891/mo
Today · 4.125%
HK$29,945
baseline
▲ 0.50% · 4.625%
HK$31,767
+HK$1,822/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,890/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,348
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,188
−HK$853/mo
Today · 4.125%
HK$33,041
baseline
▲ 0.50% · 4.625%
HK$34,783
+HK$1,742/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,082/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,957 · 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).