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$15,646
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,132
−HK$495/mo
Today · 4.125%
HK$16,627
baseline
▲ 0.50% · 4.625%
HK$17,638
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,254/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,405
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,872
−HK$474/mo
Today · 4.125%
HK$18,346
baseline
▲ 0.50% · 4.625%
HK$19,313
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,692/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,775
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,359
−HK$593/mo
Today · 4.125%
HK$19,952
baseline
▲ 0.50% · 4.625%
HK$21,166
+HK$1,214/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,904/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,887
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,447
−HK$568/mo
Today · 4.125%
HK$22,015
baseline
▲ 0.50% · 4.625%
HK$23,175
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,030/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,904
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$692/mo
Today · 4.125%
HK$23,277
baseline
▲ 0.50% · 4.625%
HK$24,694
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,554/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,368
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,021
−HK$663/mo
Today · 4.125%
HK$25,684
baseline
▲ 0.50% · 4.625%
HK$27,038
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,368/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,162
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,038
−HK$890/mo
Today · 4.125%
HK$29,928
baseline
▲ 0.50% · 4.625%
HK$31,749
+HK$1,821/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,856/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,330
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,170
−HK$853/mo
Today · 4.125%
HK$33,023
baseline
▲ 0.50% · 4.625%
HK$34,763
+HK$1,740/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,046/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,840 · 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).