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$15,642
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,129
−HK$494/mo
Today · 4.125%
HK$16,623
baseline
▲ 0.50% · 4.625%
HK$17,635
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,246/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,402
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,869
−HK$473/mo
Today · 4.125%
HK$18,342
baseline
▲ 0.50% · 4.625%
HK$19,309
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,684/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,771
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,355
−HK$593/mo
Today · 4.125%
HK$19,948
baseline
▲ 0.50% · 4.625%
HK$21,162
+HK$1,214/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,896/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,882
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,442
−HK$569/mo
Today · 4.125%
HK$22,011
baseline
▲ 0.50% · 4.625%
HK$23,171
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,022/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,899
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,581
−HK$692/mo
Today · 4.125%
HK$23,273
baseline
▲ 0.50% · 4.625%
HK$24,689
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,546/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,363
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,016
−HK$663/mo
Today · 4.125%
HK$25,679
baseline
▲ 0.50% · 4.625%
HK$27,033
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,358/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,156
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,032
−HK$890/mo
Today · 4.125%
HK$29,922
baseline
▲ 0.50% · 4.625%
HK$31,743
+HK$1,821/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,844/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,324
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,164
−HK$852/mo
Today · 4.125%
HK$33,016
baseline
▲ 0.50% · 4.625%
HK$34,756
+HK$1,740/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$66,032/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,799 · 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).