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$15,630
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,116
−HK$494/mo
Today · 4.125%
HK$16,610
baseline
▲ 0.50% · 4.625%
HK$17,621
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,220/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,388
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,855
−HK$473/mo
Today · 4.125%
HK$18,328
baseline
▲ 0.50% · 4.625%
HK$19,294
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,656/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,756
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,340
−HK$592/mo
Today · 4.125%
HK$19,932
baseline
▲ 0.50% · 4.625%
HK$21,145
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,864/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,866
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,426
−HK$567/mo
Today · 4.125%
HK$21,993
baseline
▲ 0.50% · 4.625%
HK$23,153
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,986/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,882
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,563
−HK$692/mo
Today · 4.125%
HK$23,255
baseline
▲ 0.50% · 4.625%
HK$24,670
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,510/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,344
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,997
−HK$662/mo
Today · 4.125%
HK$25,659
baseline
▲ 0.50% · 4.625%
HK$27,012
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,318/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,134
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,010
−HK$889/mo
Today · 4.125%
HK$29,899
baseline
▲ 0.50% · 4.625%
HK$31,718
+HK$1,819/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,798/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,299
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,139
−HK$851/mo
Today · 4.125%
HK$32,990
baseline
▲ 0.50% · 4.625%
HK$34,729
+HK$1,739/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,980/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,638 · 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).