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$15,645
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,132
−HK$494/mo
Today · 4.125%
HK$16,626
baseline
▲ 0.50% · 4.625%
HK$17,638
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,252/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,405
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,872
−HK$473/mo
Today · 4.125%
HK$18,345
baseline
▲ 0.50% · 4.625%
HK$19,312
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,690/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,774
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,358
−HK$594/mo
Today · 4.125%
HK$19,952
baseline
▲ 0.50% · 4.625%
HK$21,166
+HK$1,214/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,904/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,886
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,446
−HK$569/mo
Today · 4.125%
HK$22,015
baseline
▲ 0.50% · 4.625%
HK$23,175
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,030/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,903
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$692/mo
Today · 4.125%
HK$23,277
baseline
▲ 0.50% · 4.625%
HK$24,693
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,554/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,367
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,021
−HK$663/mo
Today · 4.125%
HK$25,684
baseline
▲ 0.50% · 4.625%
HK$27,037
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,368/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,161
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,037
−HK$890/mo
Today · 4.125%
HK$29,927
baseline
▲ 0.50% · 4.625%
HK$31,748
+HK$1,821/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,854/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,329
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,169
−HK$853/mo
Today · 4.125%
HK$33,022
baseline
▲ 0.50% · 4.625%
HK$34,762
+HK$1,740/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,044/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,835 · 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).