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$15,620
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,106
−HK$493/mo
Today · 4.125%
HK$16,599
baseline
▲ 0.50% · 4.625%
HK$17,609
+HK$1,010/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,198/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,377
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,843
−HK$473/mo
Today · 4.125%
HK$18,316
baseline
▲ 0.50% · 4.625%
HK$19,281
+HK$965/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,632/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,744
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,327
−HK$592/mo
Today · 4.125%
HK$19,919
baseline
▲ 0.50% · 4.625%
HK$21,131
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,838/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,852
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,411
−HK$568/mo
Today · 4.125%
HK$21,979
baseline
▲ 0.50% · 4.625%
HK$23,137
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,958/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,868
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,548
−HK$691/mo
Today · 4.125%
HK$23,239
baseline
▲ 0.50% · 4.625%
HK$24,653
+HK$1,414/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,478/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,328
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,980
−HK$662/mo
Today · 4.125%
HK$25,642
baseline
▲ 0.50% · 4.625%
HK$26,994
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,284/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,116
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,990
−HK$889/mo
Today · 4.125%
HK$29,879
baseline
▲ 0.50% · 4.625%
HK$31,697
+HK$1,818/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,758/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,278
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,117
−HK$851/mo
Today · 4.125%
HK$32,968
baseline
▲ 0.50% · 4.625%
HK$34,706
+HK$1,738/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,936/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,501 · 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).