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$15,643
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,130
−HK$494/mo
Today · 4.125%
HK$16,624
baseline
▲ 0.50% · 4.625%
HK$17,636
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,248/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,403
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,870
−HK$473/mo
Today · 4.125%
HK$18,343
baseline
▲ 0.50% · 4.625%
HK$19,310
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,686/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,772
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,356
−HK$593/mo
Today · 4.125%
HK$19,949
baseline
▲ 0.50% · 4.625%
HK$21,163
+HK$1,214/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,898/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,883
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,444
−HK$568/mo
Today · 4.125%
HK$22,012
baseline
▲ 0.50% · 4.625%
HK$23,172
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,024/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,900
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,582
−HK$692/mo
Today · 4.125%
HK$23,274
baseline
▲ 0.50% · 4.625%
HK$24,690
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,548/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,364
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,017
−HK$663/mo
Today · 4.125%
HK$25,680
baseline
▲ 0.50% · 4.625%
HK$27,034
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,360/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,158
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,034
−HK$889/mo
Today · 4.125%
HK$29,923
baseline
▲ 0.50% · 4.625%
HK$31,744
+HK$1,821/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,846/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,325
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,165
−HK$853/mo
Today · 4.125%
HK$33,018
baseline
▲ 0.50% · 4.625%
HK$34,758
+HK$1,740/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$66,036/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,809 · 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).