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$15,637
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,124
−HK$494/mo
Today · 4.125%
HK$16,618
baseline
▲ 0.50% · 4.625%
HK$17,629
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,236/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,396
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,863
−HK$473/mo
Today · 4.125%
HK$18,336
baseline
▲ 0.50% · 4.625%
HK$19,303
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,672/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,765
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,348
−HK$593/mo
Today · 4.125%
HK$19,941
baseline
▲ 0.50% · 4.625%
HK$21,155
+HK$1,214/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,882/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,875
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,435
−HK$568/mo
Today · 4.125%
HK$22,003
baseline
▲ 0.50% · 4.625%
HK$23,163
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$44,006/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,892
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,573
−HK$692/mo
Today · 4.125%
HK$23,265
baseline
▲ 0.50% · 4.625%
HK$24,681
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,530/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,355
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,008
−HK$663/mo
Today · 4.125%
HK$25,671
baseline
▲ 0.50% · 4.625%
HK$27,024
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,342/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,147
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,022
−HK$890/mo
Today · 4.125%
HK$29,912
baseline
▲ 0.50% · 4.625%
HK$31,732
+HK$1,820/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,824/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,313
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,153
−HK$852/mo
Today · 4.125%
HK$33,005
baseline
▲ 0.50% · 4.625%
HK$34,745
+HK$1,740/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$66,010/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,730 · 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).