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$15,635
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,122
−HK$494/mo
Today · 4.125%
HK$16,616
baseline
▲ 0.50% · 4.625%
HK$17,627
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,232/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,394
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,861
−HK$473/mo
Today · 4.125%
HK$18,334
baseline
▲ 0.50% · 4.625%
HK$19,300
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,668/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,762
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,346
−HK$593/mo
Today · 4.125%
HK$19,939
baseline
▲ 0.50% · 4.625%
HK$21,152
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,878/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,873
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,433
−HK$568/mo
Today · 4.125%
HK$22,001
baseline
▲ 0.50% · 4.625%
HK$23,160
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$44,002/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,890
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,570
−HK$692/mo
Today · 4.125%
HK$23,262
baseline
▲ 0.50% · 4.625%
HK$24,678
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,524/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,352
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,005
−HK$663/mo
Today · 4.125%
HK$25,668
baseline
▲ 0.50% · 4.625%
HK$27,021
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,336/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,144
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,019
−HK$890/mo
Today · 4.125%
HK$29,909
baseline
▲ 0.50% · 4.625%
HK$31,728
+HK$1,819/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,818/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,310
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,149
−HK$852/mo
Today · 4.125%
HK$33,001
baseline
▲ 0.50% · 4.625%
HK$34,741
+HK$1,740/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$66,002/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,706 · 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).