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$15,651
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,138
−HK$495/mo
Today · 4.125%
HK$16,633
baseline
▲ 0.50% · 4.625%
HK$17,645
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,266/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,412
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,879
−HK$473/mo
Today · 4.125%
HK$18,352
baseline
▲ 0.50% · 4.625%
HK$19,320
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,704/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,781
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,366
−HK$593/mo
Today · 4.125%
HK$19,959
baseline
▲ 0.50% · 4.625%
HK$21,174
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,918/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,894
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,455
−HK$568/mo
Today · 4.125%
HK$22,023
baseline
▲ 0.50% · 4.625%
HK$23,184
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,046/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,912
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,593
−HK$693/mo
Today · 4.125%
HK$23,286
baseline
▲ 0.50% · 4.625%
HK$24,703
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,572/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,376
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,030
−HK$663/mo
Today · 4.125%
HK$25,693
baseline
▲ 0.50% · 4.625%
HK$27,048
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,386/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,172
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,048
−HK$891/mo
Today · 4.125%
HK$29,939
baseline
▲ 0.50% · 4.625%
HK$31,760
+HK$1,821/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,878/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,341
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,182
−HK$852/mo
Today · 4.125%
HK$33,034
baseline
▲ 0.50% · 4.625%
HK$34,776
+HK$1,742/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,068/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,914 · 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).