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$15,625
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,111
−HK$494/mo
Today · 4.125%
HK$16,605
baseline
▲ 0.50% · 4.625%
HK$17,615
+HK$1,010/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,210/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,382
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,849
−HK$472/mo
Today · 4.125%
HK$18,321
baseline
▲ 0.50% · 4.625%
HK$19,287
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,642/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,750
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,333
−HK$592/mo
Today · 4.125%
HK$19,925
baseline
▲ 0.50% · 4.625%
HK$21,138
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,850/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,859
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,418
−HK$568/mo
Today · 4.125%
HK$21,986
baseline
▲ 0.50% · 4.625%
HK$23,145
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,972/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,875
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,555
−HK$691/mo
Today · 4.125%
HK$23,246
baseline
▲ 0.50% · 4.625%
HK$24,661
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,492/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,335
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,988
−HK$662/mo
Today · 4.125%
HK$25,650
baseline
▲ 0.50% · 4.625%
HK$27,002
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,300/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,125
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,999
−HK$889/mo
Today · 4.125%
HK$29,888
baseline
▲ 0.50% · 4.625%
HK$31,707
+HK$1,819/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,776/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,288
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,127
−HK$852/mo
Today · 4.125%
HK$32,979
baseline
▲ 0.50% · 4.625%
HK$34,717
+HK$1,738/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,958/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,566 · 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).