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$15,618
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,104
−HK$493/mo
Today · 4.125%
HK$16,597
baseline
▲ 0.50% · 4.625%
HK$17,607
+HK$1,010/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,194/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,375
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,841
−HK$473/mo
Today · 4.125%
HK$18,314
baseline
▲ 0.50% · 4.625%
HK$19,279
+HK$965/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,628/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,742
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,325
−HK$592/mo
Today · 4.125%
HK$19,917
baseline
▲ 0.50% · 4.625%
HK$21,129
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,834/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,850
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,409
−HK$567/mo
Today · 4.125%
HK$21,976
baseline
▲ 0.50% · 4.625%
HK$23,135
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,952/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,865
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,545
−HK$691/mo
Today · 4.125%
HK$23,236
baseline
▲ 0.50% · 4.625%
HK$24,650
+HK$1,414/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,472/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,325
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,977
−HK$662/mo
Today · 4.125%
HK$25,639
baseline
▲ 0.50% · 4.625%
HK$26,990
+HK$1,351/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,278/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,112
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,987
−HK$888/mo
Today · 4.125%
HK$29,875
baseline
▲ 0.50% · 4.625%
HK$31,693
+HK$1,818/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,750/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,275
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,114
−HK$850/mo
Today · 4.125%
HK$32,964
baseline
▲ 0.50% · 4.625%
HK$34,702
+HK$1,738/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,928/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,477 · 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).