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$15,636
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,123
−HK$494/mo
Today · 4.125%
HK$16,617
baseline
▲ 0.50% · 4.625%
HK$17,628
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,234/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,395
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,862
−HK$473/mo
Today · 4.125%
HK$18,335
baseline
▲ 0.50% · 4.625%
HK$19,301
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,670/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,764
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,347
−HK$593/mo
Today · 4.125%
HK$19,940
baseline
▲ 0.50% · 4.625%
HK$21,153
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,880/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,874
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,434
−HK$568/mo
Today · 4.125%
HK$22,002
baseline
▲ 0.50% · 4.625%
HK$23,162
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$44,004/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,891
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,572
−HK$692/mo
Today · 4.125%
HK$23,264
baseline
▲ 0.50% · 4.625%
HK$24,679
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,528/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,353
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,006
−HK$663/mo
Today · 4.125%
HK$25,669
baseline
▲ 0.50% · 4.625%
HK$27,022
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,338/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,145
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,021
−HK$889/mo
Today · 4.125%
HK$29,910
baseline
▲ 0.50% · 4.625%
HK$31,730
+HK$1,820/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,820/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,311
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,151
−HK$852/mo
Today · 4.125%
HK$33,003
baseline
▲ 0.50% · 4.625%
HK$34,743
+HK$1,740/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$66,006/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,718 · 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).