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$15,640
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,126
−HK$495/mo
Today · 4.125%
HK$16,621
baseline
▲ 0.50% · 4.625%
HK$17,632
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,242/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,399
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,866
−HK$473/mo
Today · 4.125%
HK$18,339
baseline
▲ 0.50% · 4.625%
HK$19,306
+HK$967/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$205,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,768
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,352
−HK$593/mo
Today · 4.125%
HK$19,945
baseline
▲ 0.50% · 4.625%
HK$21,158
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,890/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,879
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,439
−HK$568/mo
Today · 4.125%
HK$22,007
baseline
▲ 0.50% · 4.625%
HK$23,167
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,014/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,896
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,577
−HK$692/mo
Today · 4.125%
HK$23,269
baseline
▲ 0.50% · 4.625%
HK$24,685
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,538/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,359
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,012
−HK$663/mo
Today · 4.125%
HK$25,675
baseline
▲ 0.50% · 4.625%
HK$27,028
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,350/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,152
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,027
−HK$890/mo
Today · 4.125%
HK$29,917
baseline
▲ 0.50% · 4.625%
HK$31,737
+HK$1,820/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,834/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,318
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,158
−HK$852/mo
Today · 4.125%
HK$33,010
baseline
▲ 0.50% · 4.625%
HK$34,750
+HK$1,740/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$66,020/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,764 · 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).