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$15,623
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,109
−HK$493/mo
Today · 4.125%
HK$16,602
baseline
▲ 0.50% · 4.625%
HK$17,613
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,204/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,380
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,846
−HK$473/mo
Today · 4.125%
HK$18,319
baseline
▲ 0.50% · 4.625%
HK$19,285
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,638/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,747
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,330
−HK$593/mo
Today · 4.125%
HK$19,923
baseline
▲ 0.50% · 4.625%
HK$21,135
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,846/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,856
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,415
−HK$568/mo
Today · 4.125%
HK$21,983
baseline
▲ 0.50% · 4.625%
HK$23,142
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,966/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,872
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,552
−HK$691/mo
Today · 4.125%
HK$23,243
baseline
▲ 0.50% · 4.625%
HK$24,658
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,486/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,332
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,985
−HK$662/mo
Today · 4.125%
HK$25,647
baseline
▲ 0.50% · 4.625%
HK$26,999
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,294/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,121
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,996
−HK$888/mo
Today · 4.125%
HK$29,884
baseline
▲ 0.50% · 4.625%
HK$31,703
+HK$1,819/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,768/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,284
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,123
−HK$851/mo
Today · 4.125%
HK$32,974
baseline
▲ 0.50% · 4.625%
HK$34,712
+HK$1,738/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,948/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,539 · 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).