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$15,629
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,115
−HK$494/mo
Today · 4.125%
HK$16,609
baseline
▲ 0.50% · 4.625%
HK$17,620
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,218/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,387
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,853
−HK$474/mo
Today · 4.125%
HK$18,327
baseline
▲ 0.50% · 4.625%
HK$19,293
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,654/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,755
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,338
−HK$593/mo
Today · 4.125%
HK$19,931
baseline
▲ 0.50% · 4.625%
HK$21,144
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,862/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,865
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,424
−HK$568/mo
Today · 4.125%
HK$21,992
baseline
▲ 0.50% · 4.625%
HK$23,151
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,984/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,881
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,561
−HK$692/mo
Today · 4.125%
HK$23,253
baseline
▲ 0.50% · 4.625%
HK$24,668
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,506/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,342
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,995
−HK$662/mo
Today · 4.125%
HK$25,657
baseline
▲ 0.50% · 4.625%
HK$27,010
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,314/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,132
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,007
−HK$889/mo
Today · 4.125%
HK$29,896
baseline
▲ 0.50% · 4.625%
HK$31,716
+HK$1,820/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,792/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,297
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,136
−HK$852/mo
Today · 4.125%
HK$32,988
baseline
▲ 0.50% · 4.625%
HK$34,727
+HK$1,739/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,976/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,623 · 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).