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$15,646
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,133
−HK$495/mo
Today · 4.125%
HK$16,628
baseline
▲ 0.50% · 4.625%
HK$17,639
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,256/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,406
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,873
−HK$474/mo
Today · 4.125%
HK$18,347
baseline
▲ 0.50% · 4.625%
HK$19,314
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,694/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,776
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,360
−HK$593/mo
Today · 4.125%
HK$19,953
baseline
▲ 0.50% · 4.625%
HK$21,167
+HK$1,214/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,906/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,888
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,448
−HK$568/mo
Today · 4.125%
HK$22,016
baseline
▲ 0.50% · 4.625%
HK$23,177
+HK$1,161/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,032/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,905
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,586
−HK$693/mo
Today · 4.125%
HK$23,279
baseline
▲ 0.50% · 4.625%
HK$24,695
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,558/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,369
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,023
−HK$663/mo
Today · 4.125%
HK$25,686
baseline
▲ 0.50% · 4.625%
HK$27,040
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,372/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,164
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,040
−HK$890/mo
Today · 4.125%
HK$29,930
baseline
▲ 0.50% · 4.625%
HK$31,751
+HK$1,821/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,860/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,332
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,172
−HK$852/mo
Today · 4.125%
HK$33,024
baseline
▲ 0.50% · 4.625%
HK$34,765
+HK$1,741/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,048/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,851 · 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).