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$15,582
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,067
−HK$492/mo
Today · 4.125%
HK$16,559
baseline
▲ 0.50% · 4.625%
HK$17,567
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,118/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,335
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,800
−HK$471/mo
Today · 4.125%
HK$18,271
baseline
▲ 0.50% · 4.625%
HK$19,234
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,542/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,698
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,280
−HK$591/mo
Today · 4.125%
HK$19,871
baseline
▲ 0.50% · 4.625%
HK$21,080
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,742/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,802
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,360
−HK$566/mo
Today · 4.125%
HK$21,926
baseline
▲ 0.50% · 4.625%
HK$23,081
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,852/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,815
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,493
−HK$690/mo
Today · 4.125%
HK$23,183
baseline
▲ 0.50% · 4.625%
HK$24,593
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,366/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,269
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,920
−HK$660/mo
Today · 4.125%
HK$25,580
baseline
▲ 0.50% · 4.625%
HK$26,928
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,160/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,048
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,920
−HK$886/mo
Today · 4.125%
HK$29,806
baseline
▲ 0.50% · 4.625%
HK$31,620
+HK$1,814/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,612/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$205,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,203
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,039
−HK$849/mo
Today · 4.125%
HK$32,888
baseline
▲ 0.50% · 4.625%
HK$34,622
+HK$1,734/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,776/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$205,004 · 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).