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$15,631
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,118
−HK$494/mo
Today · 4.125%
HK$16,612
baseline
▲ 0.50% · 4.625%
HK$17,622
+HK$1,010/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,224/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,390
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,856
−HK$473/mo
Today · 4.125%
HK$18,329
baseline
▲ 0.50% · 4.625%
HK$19,295
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,658/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,758
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,341
−HK$593/mo
Today · 4.125%
HK$19,934
baseline
▲ 0.50% · 4.625%
HK$21,147
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,868/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,868
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,427
−HK$568/mo
Today · 4.125%
HK$21,995
baseline
▲ 0.50% · 4.625%
HK$23,154
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,990/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,884
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,565
−HK$691/mo
Today · 4.125%
HK$23,256
baseline
▲ 0.50% · 4.625%
HK$24,671
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,512/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,346
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,999
−HK$662/mo
Today · 4.125%
HK$25,661
baseline
▲ 0.50% · 4.625%
HK$27,014
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,322/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,136
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,012
−HK$889/mo
Today · 4.125%
HK$29,901
baseline
▲ 0.50% · 4.625%
HK$31,720
+HK$1,819/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,802/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,302
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,141
−HK$852/mo
Today · 4.125%
HK$32,993
baseline
▲ 0.50% · 4.625%
HK$34,732
+HK$1,739/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$65,986/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,653 · 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).