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$15,644
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,131
−HK$494/mo
Today · 4.125%
HK$16,625
baseline
▲ 0.50% · 4.625%
HK$17,637
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,250/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,404
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,871
−HK$474/mo
Today · 4.125%
HK$18,345
baseline
▲ 0.50% · 4.625%
HK$19,312
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,690/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,773
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,357
−HK$594/mo
Today · 4.125%
HK$19,951
baseline
▲ 0.50% · 4.625%
HK$21,165
+HK$1,214/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,902/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,885
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,445
−HK$568/mo
Today · 4.125%
HK$22,013
baseline
▲ 0.50% · 4.625%
HK$23,174
+HK$1,161/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,026/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,902
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,583
−HK$693/mo
Today · 4.125%
HK$23,276
baseline
▲ 0.50% · 4.625%
HK$24,692
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,552/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,366
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,019
−HK$663/mo
Today · 4.125%
HK$25,682
baseline
▲ 0.50% · 4.625%
HK$27,036
+HK$1,354/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,364/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,160
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,036
−HK$890/mo
Today · 4.125%
HK$29,926
baseline
▲ 0.50% · 4.625%
HK$31,747
+HK$1,821/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,852/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,328
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,168
−HK$852/mo
Today · 4.125%
HK$33,020
baseline
▲ 0.50% · 4.625%
HK$34,761
+HK$1,741/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$66,040/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,825 · 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).