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$15,655
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,142
−HK$494/mo
Today · 4.125%
HK$16,636
baseline
▲ 0.50% · 4.625%
HK$17,649
+HK$1,013/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,272/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,416
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,883
−HK$474/mo
Today · 4.125%
HK$18,357
baseline
▲ 0.50% · 4.625%
HK$19,324
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,714/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,786
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,370
−HK$594/mo
Today · 4.125%
HK$19,964
baseline
▲ 0.50% · 4.625%
HK$21,178
+HK$1,214/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,928/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,899
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,459
−HK$569/mo
Today · 4.125%
HK$22,028
baseline
▲ 0.50% · 4.625%
HK$23,189
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,056/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,917
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,598
−HK$693/mo
Today · 4.125%
HK$23,291
baseline
▲ 0.50% · 4.625%
HK$24,708
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,582/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,382
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,036
−HK$663/mo
Today · 4.125%
HK$25,699
baseline
▲ 0.50% · 4.625%
HK$27,054
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,398/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,179
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,055
−HK$891/mo
Today · 4.125%
HK$29,946
baseline
▲ 0.50% · 4.625%
HK$31,768
+HK$1,822/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,892/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,348
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,189
−HK$853/mo
Today · 4.125%
HK$33,042
baseline
▲ 0.50% · 4.625%
HK$34,784
+HK$1,742/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,084/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,961 · 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).