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$15,650
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,137
−HK$494/mo
Today · 4.125%
HK$16,631
baseline
▲ 0.50% · 4.625%
HK$17,643
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,262/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,410
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,877
−HK$474/mo
Today · 4.125%
HK$18,351
baseline
▲ 0.50% · 4.625%
HK$19,318
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,702/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,780
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,364
−HK$594/mo
Today · 4.125%
HK$19,958
baseline
▲ 0.50% · 4.625%
HK$21,172
+HK$1,214/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,916/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,892
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,453
−HK$568/mo
Today · 4.125%
HK$22,021
baseline
▲ 0.50% · 4.625%
HK$23,182
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,042/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,910
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,591
−HK$693/mo
Today · 4.125%
HK$23,284
baseline
▲ 0.50% · 4.625%
HK$24,701
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,568/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,375
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,028
−HK$663/mo
Today · 4.125%
HK$25,691
baseline
▲ 0.50% · 4.625%
HK$27,046
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,382/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,170
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,046
−HK$890/mo
Today · 4.125%
HK$29,936
baseline
▲ 0.50% · 4.625%
HK$31,758
+HK$1,822/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,872/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,339
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,179
−HK$853/mo
Today · 4.125%
HK$33,032
baseline
▲ 0.50% · 4.625%
HK$34,773
+HK$1,741/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,064/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,898 · 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).