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$15,627
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,113
−HK$494/mo
Today · 4.125%
HK$16,607
baseline
▲ 0.50% · 4.625%
HK$17,617
+HK$1,010/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,214/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,385
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,851
−HK$473/mo
Today · 4.125%
HK$18,324
baseline
▲ 0.50% · 4.625%
HK$19,290
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,648/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,752
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,336
−HK$592/mo
Today · 4.125%
HK$19,928
baseline
▲ 0.50% · 4.625%
HK$21,141
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,856/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,862
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,421
−HK$568/mo
Today · 4.125%
HK$21,989
baseline
▲ 0.50% · 4.625%
HK$23,148
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,978/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,878
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,558
−HK$691/mo
Today · 4.125%
HK$23,249
baseline
▲ 0.50% · 4.625%
HK$24,664
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,498/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,339
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,991
−HK$663/mo
Today · 4.125%
HK$25,654
baseline
▲ 0.50% · 4.625%
HK$27,006
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,308/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,128
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,003
−HK$889/mo
Today · 4.125%
HK$29,892
baseline
▲ 0.50% · 4.625%
HK$31,711
+HK$1,819/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,784/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,292
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,132
−HK$851/mo
Today · 4.125%
HK$32,983
baseline
▲ 0.50% · 4.625%
HK$34,722
+HK$1,739/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,966/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,594 · 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).