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$15,647
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,134
−HK$494/mo
Today · 4.125%
HK$16,628
baseline
▲ 0.50% · 4.625%
HK$17,640
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,256/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,407
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,874
−HK$474/mo
Today · 4.125%
HK$18,348
baseline
▲ 0.50% · 4.625%
HK$19,315
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,696/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,777
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,361
−HK$593/mo
Today · 4.125%
HK$19,954
baseline
▲ 0.50% · 4.625%
HK$21,168
+HK$1,214/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,908/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,889
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,449
−HK$568/mo
Today · 4.125%
HK$22,017
baseline
▲ 0.50% · 4.625%
HK$23,178
+HK$1,161/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,034/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,906
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,587
−HK$693/mo
Today · 4.125%
HK$23,280
baseline
▲ 0.50% · 4.625%
HK$24,696
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,560/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,370
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,024
−HK$663/mo
Today · 4.125%
HK$25,687
baseline
▲ 0.50% · 4.625%
HK$27,041
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,374/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,165
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,041
−HK$890/mo
Today · 4.125%
HK$29,931
baseline
▲ 0.50% · 4.625%
HK$31,752
+HK$1,821/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,862/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,333
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,173
−HK$853/mo
Today · 4.125%
HK$33,026
baseline
▲ 0.50% · 4.625%
HK$34,767
+HK$1,741/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,052/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,860 · 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).