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$15,661
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,148
−HK$495/mo
Today · 4.125%
HK$16,643
baseline
▲ 0.50% · 4.625%
HK$17,656
+HK$1,013/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,286/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,422
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,890
−HK$474/mo
Today · 4.125%
HK$18,364
baseline
▲ 0.50% · 4.625%
HK$19,332
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,728/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,793
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,377
−HK$594/mo
Today · 4.125%
HK$19,971
baseline
▲ 0.50% · 4.625%
HK$21,187
+HK$1,216/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$206,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,907
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,468
−HK$568/mo
Today · 4.125%
HK$22,036
baseline
▲ 0.50% · 4.625%
HK$23,198
+HK$1,162/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$206,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,925
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,607
−HK$693/mo
Today · 4.125%
HK$23,300
baseline
▲ 0.50% · 4.625%
HK$24,718
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,600/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,391
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,046
−HK$663/mo
Today · 4.125%
HK$25,709
baseline
▲ 0.50% · 4.625%
HK$27,064
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,418/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,189
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,066
−HK$891/mo
Today · 4.125%
HK$29,957
baseline
▲ 0.50% · 4.625%
HK$31,780
+HK$1,823/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,914/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,360
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,201
−HK$854/mo
Today · 4.125%
HK$33,055
baseline
▲ 0.50% · 4.625%
HK$34,797
+HK$1,742/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,110/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,040 · 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).