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$15,656
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,143
−HK$495/mo
Today · 4.125%
HK$16,638
baseline
▲ 0.50% · 4.625%
HK$17,651
+HK$1,013/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,276/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,418
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,885
−HK$474/mo
Today · 4.125%
HK$18,359
baseline
▲ 0.50% · 4.625%
HK$19,326
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,718/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,788
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,372
−HK$594/mo
Today · 4.125%
HK$19,966
baseline
▲ 0.50% · 4.625%
HK$21,181
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,932/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,901
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,462
−HK$568/mo
Today · 4.125%
HK$22,030
baseline
▲ 0.50% · 4.625%
HK$23,192
+HK$1,162/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,060/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,919
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,601
−HK$693/mo
Today · 4.125%
HK$23,294
baseline
▲ 0.50% · 4.625%
HK$24,711
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,588/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,385
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,039
−HK$663/mo
Today · 4.125%
HK$25,702
baseline
▲ 0.50% · 4.625%
HK$27,057
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,404/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,182
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,058
−HK$891/mo
Today · 4.125%
HK$29,949
baseline
▲ 0.50% · 4.625%
HK$31,771
+HK$1,822/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,898/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$205,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,352
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,193
−HK$853/mo
Today · 4.125%
HK$33,046
baseline
▲ 0.50% · 4.625%
HK$34,788
+HK$1,742/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,092/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$205,983 · 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).