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$15,628
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,114
−HK$494/mo
Today · 4.125%
HK$16,608
baseline
▲ 0.50% · 4.625%
HK$17,619
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,216/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,386
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,852
−HK$473/mo
Today · 4.125%
HK$18,325
baseline
▲ 0.50% · 4.625%
HK$19,291
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,650/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,754
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,337
−HK$593/mo
Today · 4.125%
HK$19,930
baseline
▲ 0.50% · 4.625%
HK$21,142
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,860/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,863
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,423
−HK$567/mo
Today · 4.125%
HK$21,990
baseline
▲ 0.50% · 4.625%
HK$23,150
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,980/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,879
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,560
−HK$691/mo
Today · 4.125%
HK$23,251
baseline
▲ 0.50% · 4.625%
HK$24,666
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,502/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,341
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,993
−HK$663/mo
Today · 4.125%
HK$25,656
baseline
▲ 0.50% · 4.625%
HK$27,008
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,312/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,131
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,006
−HK$889/mo
Today · 4.125%
HK$29,895
baseline
▲ 0.50% · 4.625%
HK$31,714
+HK$1,819/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,790/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,295
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,134
−HK$852/mo
Today · 4.125%
HK$32,986
baseline
▲ 0.50% · 4.625%
HK$34,724
+HK$1,738/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,972/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,610 · 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).