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$15,654
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,141
−HK$494/mo
Today · 4.125%
HK$16,635
baseline
▲ 0.50% · 4.625%
HK$17,648
+HK$1,013/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,270/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,415
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,882
−HK$473/mo
Today · 4.125%
HK$18,355
baseline
▲ 0.50% · 4.625%
HK$19,323
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,710/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,784
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,369
−HK$593/mo
Today · 4.125%
HK$19,962
baseline
▲ 0.50% · 4.625%
HK$21,177
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,924/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,897
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,458
−HK$569/mo
Today · 4.125%
HK$22,027
baseline
▲ 0.50% · 4.625%
HK$23,188
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,054/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,915
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,597
−HK$692/mo
Today · 4.125%
HK$23,289
baseline
▲ 0.50% · 4.625%
HK$24,707
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,578/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,380
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,034
−HK$664/mo
Today · 4.125%
HK$25,698
baseline
▲ 0.50% · 4.625%
HK$27,052
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,396/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$205,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,177
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,053
−HK$891/mo
Today · 4.125%
HK$29,944
baseline
▲ 0.50% · 4.625%
HK$31,766
+HK$1,822/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,888/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,346
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,187
−HK$853/mo
Today · 4.125%
HK$33,040
baseline
▲ 0.50% · 4.625%
HK$34,781
+HK$1,741/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,080/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,947 · 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).