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$15,623
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,109
−HK$494/mo
Today · 4.125%
HK$16,603
baseline
▲ 0.50% · 4.625%
HK$17,613
+HK$1,010/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,206/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,381
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,847
−HK$473/mo
Today · 4.125%
HK$18,320
baseline
▲ 0.50% · 4.625%
HK$19,285
+HK$965/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,640/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,748
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,331
−HK$593/mo
Today · 4.125%
HK$19,924
baseline
▲ 0.50% · 4.625%
HK$21,136
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,848/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,857
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,416
−HK$568/mo
Today · 4.125%
HK$21,984
baseline
▲ 0.50% · 4.625%
HK$23,142
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,968/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,873
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,553
−HK$691/mo
Today · 4.125%
HK$23,244
baseline
▲ 0.50% · 4.625%
HK$24,658
+HK$1,414/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,488/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,333
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,986
−HK$662/mo
Today · 4.125%
HK$25,648
baseline
▲ 0.50% · 4.625%
HK$27,000
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,296/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,122
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,997
−HK$888/mo
Today · 4.125%
HK$29,885
baseline
▲ 0.50% · 4.625%
HK$31,704
+HK$1,819/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,770/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,285
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,124
−HK$851/mo
Today · 4.125%
HK$32,975
baseline
▲ 0.50% · 4.625%
HK$34,714
+HK$1,739/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,950/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,546 · 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).