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$15,660
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,147
−HK$495/mo
Today · 4.125%
HK$16,642
baseline
▲ 0.50% · 4.625%
HK$17,655
+HK$1,013/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,284/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,422
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,889
−HK$474/mo
Today · 4.125%
HK$18,363
baseline
▲ 0.50% · 4.625%
HK$19,331
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,726/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,792
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,377
−HK$594/mo
Today · 4.125%
HK$19,971
baseline
▲ 0.50% · 4.625%
HK$21,186
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,942/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,906
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,467
−HK$569/mo
Today · 4.125%
HK$22,036
baseline
▲ 0.50% · 4.625%
HK$23,197
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,072/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,924
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,606
−HK$693/mo
Today · 4.125%
HK$23,299
baseline
▲ 0.50% · 4.625%
HK$24,717
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,598/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,390
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,045
−HK$663/mo
Today · 4.125%
HK$25,708
baseline
▲ 0.50% · 4.625%
HK$27,063
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,416/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,188
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,065
−HK$891/mo
Today · 4.125%
HK$29,956
baseline
▲ 0.50% · 4.625%
HK$31,779
+HK$1,823/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,912/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,359
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,200
−HK$853/mo
Today · 4.125%
HK$33,053
baseline
▲ 0.50% · 4.625%
HK$34,796
+HK$1,743/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,106/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,031 · 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).