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$15,600
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,085
−HK$493/mo
Today · 4.125%
HK$16,578
baseline
▲ 0.50% · 4.625%
HK$17,587
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,156/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,354
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,820
−HK$472/mo
Today · 4.125%
HK$18,292
baseline
▲ 0.50% · 4.625%
HK$19,256
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,584/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,720
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,302
−HK$591/mo
Today · 4.125%
HK$19,893
baseline
▲ 0.50% · 4.625%
HK$21,104
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,786/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,825
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,384
−HK$566/mo
Today · 4.125%
HK$21,950
baseline
▲ 0.50% · 4.625%
HK$23,107
+HK$1,157/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,900/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,839
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,519
−HK$690/mo
Today · 4.125%
HK$23,209
baseline
▲ 0.50% · 4.625%
HK$24,621
+HK$1,412/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,418/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,296
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,948
−HK$661/mo
Today · 4.125%
HK$25,609
baseline
▲ 0.50% · 4.625%
HK$26,959
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,218/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,079
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,953
−HK$887/mo
Today · 4.125%
HK$29,840
baseline
▲ 0.50% · 4.625%
HK$31,656
+HK$1,816/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,680/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,238
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,076
−HK$850/mo
Today · 4.125%
HK$32,926
baseline
▲ 0.50% · 4.625%
HK$34,661
+HK$1,735/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,852/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,235 · 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).