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$15,653
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,140
−HK$494/mo
Today · 4.125%
HK$16,634
baseline
▲ 0.50% · 4.625%
HK$17,646
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,268/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,414
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,881
−HK$473/mo
Today · 4.125%
HK$18,354
baseline
▲ 0.50% · 4.625%
HK$19,322
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,708/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,783
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,368
−HK$593/mo
Today · 4.125%
HK$19,961
baseline
▲ 0.50% · 4.625%
HK$21,176
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,922/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,896
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,457
−HK$568/mo
Today · 4.125%
HK$22,025
baseline
▲ 0.50% · 4.625%
HK$23,186
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,050/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,914
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,595
−HK$693/mo
Today · 4.125%
HK$23,288
baseline
▲ 0.50% · 4.625%
HK$24,705
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,576/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,379
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,033
−HK$663/mo
Today · 4.125%
HK$25,696
baseline
▲ 0.50% · 4.625%
HK$27,051
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,392/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,175
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,051
−HK$891/mo
Today · 4.125%
HK$29,942
baseline
▲ 0.50% · 4.625%
HK$31,764
+HK$1,822/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,884/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,344
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,185
−HK$853/mo
Today · 4.125%
HK$33,038
baseline
▲ 0.50% · 4.625%
HK$34,779
+HK$1,741/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,076/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,934 · 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).