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$15,652
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,139
−HK$495/mo
Today · 4.125%
HK$16,634
baseline
▲ 0.50% · 4.625%
HK$17,646
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,268/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,413
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,880
−HK$474/mo
Today · 4.125%
HK$18,354
baseline
▲ 0.50% · 4.625%
HK$19,321
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,708/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,783
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,367
−HK$594/mo
Today · 4.125%
HK$19,961
baseline
▲ 0.50% · 4.625%
HK$21,175
+HK$1,214/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,922/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,896
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,456
−HK$569/mo
Today · 4.125%
HK$22,025
baseline
▲ 0.50% · 4.625%
HK$23,185
+HK$1,160/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,050/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,913
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,595
−HK$692/mo
Today · 4.125%
HK$23,287
baseline
▲ 0.50% · 4.625%
HK$24,704
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,574/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,378
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,032
−HK$663/mo
Today · 4.125%
HK$25,695
baseline
▲ 0.50% · 4.625%
HK$27,050
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,390/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,174
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,050
−HK$891/mo
Today · 4.125%
HK$29,941
baseline
▲ 0.50% · 4.625%
HK$31,763
+HK$1,822/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,882/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,343
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,184
−HK$853/mo
Today · 4.125%
HK$33,037
baseline
▲ 0.50% · 4.625%
HK$34,778
+HK$1,741/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,074/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,928 · 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).