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$15,592
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,077
−HK$492/mo
Today · 4.125%
HK$16,569
baseline
▲ 0.50% · 4.625%
HK$17,578
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,138/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,345
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,811
−HK$472/mo
Today · 4.125%
HK$18,283
baseline
▲ 0.50% · 4.625%
HK$19,246
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,566/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,710
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,292
−HK$591/mo
Today · 4.125%
HK$19,883
baseline
▲ 0.50% · 4.625%
HK$21,093
+HK$1,210/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,766/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,815
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,373
−HK$566/mo
Today · 4.125%
HK$21,939
baseline
▲ 0.50% · 4.625%
HK$23,096
+HK$1,157/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,878/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,507
−HK$690/mo
Today · 4.125%
HK$23,197
baseline
▲ 0.50% · 4.625%
HK$24,609
+HK$1,412/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,394/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,284
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,935
−HK$661/mo
Today · 4.125%
HK$25,596
baseline
▲ 0.50% · 4.625%
HK$26,945
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,192/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,065
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,938
−HK$887/mo
Today · 4.125%
HK$29,825
baseline
▲ 0.50% · 4.625%
HK$31,640
+HK$1,815/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$59,650/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,222
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,059
−HK$850/mo
Today · 4.125%
HK$32,909
baseline
▲ 0.50% · 4.625%
HK$34,643
+HK$1,734/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$65,818/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,130 · 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).