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$15,638
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,124
−HK$494/mo
Today · 4.125%
HK$16,618
baseline
▲ 0.50% · 4.625%
HK$17,630
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,236/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,397
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,863
−HK$474/mo
Today · 4.125%
HK$18,337
baseline
▲ 0.50% · 4.625%
HK$19,303
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,674/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,765
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,349
−HK$593/mo
Today · 4.125%
HK$19,942
baseline
▲ 0.50% · 4.625%
HK$21,155
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,884/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,876
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,436
−HK$568/mo
Today · 4.125%
HK$22,004
baseline
▲ 0.50% · 4.625%
HK$23,164
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$44,008/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,893
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,574
−HK$692/mo
Today · 4.125%
HK$23,266
baseline
▲ 0.50% · 4.625%
HK$24,681
+HK$1,415/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,532/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,356
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$25,009
−HK$662/mo
Today · 4.125%
HK$25,671
baseline
▲ 0.50% · 4.625%
HK$27,025
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,342/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,148
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,023
−HK$890/mo
Today · 4.125%
HK$29,913
baseline
▲ 0.50% · 4.625%
HK$31,733
+HK$1,820/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,826/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,314
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,154
−HK$852/mo
Today · 4.125%
HK$33,006
baseline
▲ 0.50% · 4.625%
HK$34,746
+HK$1,740/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$66,012/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,737 · 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).