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$15,665
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,152
−HK$495/mo
Today · 4.125%
HK$16,647
baseline
▲ 0.50% · 4.625%
HK$17,660
+HK$1,013/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,294/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,427
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,894
−HK$475/mo
Today · 4.125%
HK$18,369
baseline
▲ 0.50% · 4.625%
HK$19,337
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,738/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,798
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,383
−HK$594/mo
Today · 4.125%
HK$19,977
baseline
▲ 0.50% · 4.625%
HK$21,192
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,954/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,912
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,473
−HK$569/mo
Today · 4.125%
HK$22,042
baseline
▲ 0.50% · 4.625%
HK$23,204
+HK$1,162/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,084/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,931
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,613
−HK$693/mo
Today · 4.125%
HK$23,306
baseline
▲ 0.50% · 4.625%
HK$24,724
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,612/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,398
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,052
−HK$664/mo
Today · 4.125%
HK$25,716
baseline
▲ 0.50% · 4.625%
HK$27,071
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,432/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,197
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,074
−HK$891/mo
Today · 4.125%
HK$29,965
baseline
▲ 0.50% · 4.625%
HK$31,788
+HK$1,823/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,930/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,369
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,210
−HK$853/mo
Today · 4.125%
HK$33,063
baseline
▲ 0.50% · 4.625%
HK$34,806
+HK$1,743/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,126/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,094 · 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).