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$15,607
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,092
−HK$494/mo
Today · 4.125%
HK$16,586
baseline
▲ 0.50% · 4.625%
HK$17,595
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,172/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,363
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,828
−HK$473/mo
Today · 4.125%
HK$18,301
baseline
▲ 0.50% · 4.625%
HK$19,265
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,602/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,728
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,311
−HK$592/mo
Today · 4.125%
HK$19,903
baseline
▲ 0.50% · 4.625%
HK$21,114
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,806/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,835
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,394
−HK$567/mo
Today · 4.125%
HK$21,961
baseline
▲ 0.50% · 4.625%
HK$23,118
+HK$1,157/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,922/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,850
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,529
−HK$691/mo
Today · 4.125%
HK$23,220
baseline
▲ 0.50% · 4.625%
HK$24,633
+HK$1,413/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,440/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,308
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,960
−HK$661/mo
Today · 4.125%
HK$25,621
baseline
▲ 0.50% · 4.625%
HK$26,972
+HK$1,351/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,242/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,093
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,966
−HK$888/mo
Today · 4.125%
HK$29,854
baseline
▲ 0.50% · 4.625%
HK$31,671
+HK$1,817/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,708/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,253
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,091
−HK$850/mo
Today · 4.125%
HK$32,941
baseline
▲ 0.50% · 4.625%
HK$34,678
+HK$1,737/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,882/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,333 · 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).