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$15,649
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,136
−HK$494/mo
Today · 4.125%
HK$16,630
baseline
▲ 0.50% · 4.625%
HK$17,642
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,260/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,409
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,876
−HK$474/mo
Today · 4.125%
HK$18,350
baseline
▲ 0.50% · 4.625%
HK$19,317
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,700/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,779
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,363
−HK$593/mo
Today · 4.125%
HK$19,956
baseline
▲ 0.50% · 4.625%
HK$21,171
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,912/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,891
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,451
−HK$569/mo
Today · 4.125%
HK$22,020
baseline
▲ 0.50% · 4.625%
HK$23,180
+HK$1,160/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,040/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,908
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,590
−HK$692/mo
Today · 4.125%
HK$23,282
baseline
▲ 0.50% · 4.625%
HK$24,699
+HK$1,417/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,564/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,373
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,027
−HK$663/mo
Today · 4.125%
HK$25,690
baseline
▲ 0.50% · 4.625%
HK$27,044
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,380/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,168
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,044
−HK$890/mo
Today · 4.125%
HK$29,934
baseline
▲ 0.50% · 4.625%
HK$31,756
+HK$1,822/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,868/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,337
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,177
−HK$853/mo
Today · 4.125%
HK$33,030
baseline
▲ 0.50% · 4.625%
HK$34,771
+HK$1,741/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,060/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,884 · 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).