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$15,658
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,145
−HK$495/mo
Today · 4.125%
HK$16,640
baseline
▲ 0.50% · 4.625%
HK$17,652
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,280/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,419
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,886
−HK$474/mo
Today · 4.125%
HK$18,360
baseline
▲ 0.50% · 4.625%
HK$19,328
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,720/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,789
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,374
−HK$594/mo
Today · 4.125%
HK$19,968
baseline
▲ 0.50% · 4.625%
HK$21,183
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,936/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,903
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,464
−HK$568/mo
Today · 4.125%
HK$22,032
baseline
▲ 0.50% · 4.625%
HK$23,194
+HK$1,162/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,064/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,921
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,603
−HK$693/mo
Today · 4.125%
HK$23,296
baseline
▲ 0.50% · 4.625%
HK$24,713
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,592/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,387
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,041
−HK$663/mo
Today · 4.125%
HK$25,704
baseline
▲ 0.50% · 4.625%
HK$27,059
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,408/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,184
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,061
−HK$890/mo
Today · 4.125%
HK$29,951
baseline
▲ 0.50% · 4.625%
HK$31,774
+HK$1,823/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,902/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,354
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,195
−HK$853/mo
Today · 4.125%
HK$33,048
baseline
▲ 0.50% · 4.625%
HK$34,790
+HK$1,742/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,096/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,001 · 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).