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$15,590
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,075
−HK$492/mo
Today · 4.125%
HK$16,567
baseline
▲ 0.50% · 4.625%
HK$17,576
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,134/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,344
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,809
−HK$472/mo
Today · 4.125%
HK$18,281
baseline
▲ 0.50% · 4.625%
HK$19,244
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,562/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,708
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,290
−HK$591/mo
Today · 4.125%
HK$19,881
baseline
▲ 0.50% · 4.625%
HK$21,091
+HK$1,210/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,762/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,812
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,370
−HK$567/mo
Today · 4.125%
HK$21,937
baseline
▲ 0.50% · 4.625%
HK$23,093
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,874/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,826
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,505
−HK$689/mo
Today · 4.125%
HK$23,194
baseline
▲ 0.50% · 4.625%
HK$24,606
+HK$1,412/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,388/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,281
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,932
−HK$661/mo
Today · 4.125%
HK$25,593
baseline
▲ 0.50% · 4.625%
HK$26,942
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,186/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,062
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,935
−HK$886/mo
Today · 4.125%
HK$29,821
baseline
▲ 0.50% · 4.625%
HK$31,636
+HK$1,815/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$59,642/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,218
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,056
−HK$849/mo
Today · 4.125%
HK$32,905
baseline
▲ 0.50% · 4.625%
HK$34,639
+HK$1,734/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$65,810/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,107 · 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).