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$15,626
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,112
−HK$494/mo
Today · 4.125%
HK$16,606
baseline
▲ 0.50% · 4.625%
HK$17,616
+HK$1,010/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,212/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,384
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,850
−HK$473/mo
Today · 4.125%
HK$18,323
baseline
▲ 0.50% · 4.625%
HK$19,289
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,646/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,751
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,334
−HK$593/mo
Today · 4.125%
HK$19,927
baseline
▲ 0.50% · 4.625%
HK$21,139
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,854/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,860
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,420
−HK$567/mo
Today · 4.125%
HK$21,987
baseline
▲ 0.50% · 4.625%
HK$23,146
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,974/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,876
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,557
−HK$691/mo
Today · 4.125%
HK$23,248
baseline
▲ 0.50% · 4.625%
HK$24,663
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,496/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,337
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,990
−HK$662/mo
Today · 4.125%
HK$25,652
baseline
▲ 0.50% · 4.625%
HK$27,004
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,304/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,126
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,001
−HK$889/mo
Today · 4.125%
HK$29,890
baseline
▲ 0.50% · 4.625%
HK$31,709
+HK$1,819/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,780/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,290
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,130
−HK$851/mo
Today · 4.125%
HK$32,981
baseline
▲ 0.50% · 4.625%
HK$34,719
+HK$1,738/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,962/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,580 · 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).