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$15,639
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,126
−HK$494/mo
Today · 4.125%
HK$16,620
baseline
▲ 0.50% · 4.625%
HK$17,631
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,240/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,399
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,865
−HK$474/mo
Today · 4.125%
HK$18,339
baseline
▲ 0.50% · 4.625%
HK$19,305
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,678/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,767
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,351
−HK$593/mo
Today · 4.125%
HK$19,944
baseline
▲ 0.50% · 4.625%
HK$21,158
+HK$1,214/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,888/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,878
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,438
−HK$568/mo
Today · 4.125%
HK$22,006
baseline
▲ 0.50% · 4.625%
HK$23,166
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,012/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,895
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,576
−HK$692/mo
Today · 4.125%
HK$23,268
baseline
▲ 0.50% · 4.625%
HK$24,684
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,536/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,358
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,011
−HK$663/mo
Today · 4.125%
HK$25,674
baseline
▲ 0.50% · 4.625%
HK$27,027
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,348/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,151
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,026
−HK$890/mo
Today · 4.125%
HK$29,916
baseline
▲ 0.50% · 4.625%
HK$31,736
+HK$1,820/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,832/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,317
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,157
−HK$852/mo
Today · 4.125%
HK$33,009
baseline
▲ 0.50% · 4.625%
HK$34,749
+HK$1,740/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$66,018/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,757 · 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).