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$15,633
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,119
−HK$494/mo
Today · 4.125%
HK$16,613
baseline
▲ 0.50% · 4.625%
HK$17,624
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,226/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,391
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,858
−HK$473/mo
Today · 4.125%
HK$18,331
baseline
▲ 0.50% · 4.625%
HK$19,297
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,662/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,759
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,343
−HK$593/mo
Today · 4.125%
HK$19,936
baseline
▲ 0.50% · 4.625%
HK$21,149
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,872/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,869
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,429
−HK$568/mo
Today · 4.125%
HK$21,997
baseline
▲ 0.50% · 4.625%
HK$23,156
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,994/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,886
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,567
−HK$691/mo
Today · 4.125%
HK$23,258
baseline
▲ 0.50% · 4.625%
HK$24,673
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,516/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,348
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$25,001
−HK$662/mo
Today · 4.125%
HK$25,663
baseline
▲ 0.50% · 4.625%
HK$27,016
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,326/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,139
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,014
−HK$889/mo
Today · 4.125%
HK$29,903
baseline
▲ 0.50% · 4.625%
HK$31,723
+HK$1,820/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,806/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,304
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,144
−HK$851/mo
Today · 4.125%
HK$32,995
baseline
▲ 0.50% · 4.625%
HK$34,735
+HK$1,740/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$65,990/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,671 · 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).