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$17,634
+HK$1,011/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$205,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,402
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,868
−HK$474/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$205,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,770
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,354
−HK$593/mo
Today · 4.125%
HK$19,947
baseline
▲ 0.50% · 4.625%
HK$21,161
+HK$1,214/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,894/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,882
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,442
−HK$568/mo
Today · 4.125%
HK$22,010
baseline
▲ 0.50% · 4.625%
HK$23,170
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,020/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,899
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,580
−HK$692/mo
Today · 4.125%
HK$23,272
baseline
▲ 0.50% · 4.625%
HK$24,688
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,544/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,362
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,016
−HK$662/mo
Today · 4.125%
HK$25,678
baseline
▲ 0.50% · 4.625%
HK$27,032
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,356/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,156
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,031
−HK$890/mo
Today · 4.125%
HK$29,921
baseline
▲ 0.50% · 4.625%
HK$31,742
+HK$1,821/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,842/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,323
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,163
−HK$852/mo
Today · 4.125%
HK$33,015
baseline
▲ 0.50% · 4.625%
HK$34,755
+HK$1,740/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$66,030/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,793 · 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).