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$15,594
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,079
−HK$493/mo
Today · 4.125%
HK$16,572
baseline
▲ 0.50% · 4.625%
HK$17,580
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,144/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,348
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,813
−HK$472/mo
Today · 4.125%
HK$18,285
baseline
▲ 0.50% · 4.625%
HK$19,249
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,570/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,712
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,294
−HK$592/mo
Today · 4.125%
HK$19,886
baseline
▲ 0.50% · 4.625%
HK$21,096
+HK$1,210/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,772/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,817
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$566/mo
Today · 4.125%
HK$21,942
baseline
▲ 0.50% · 4.625%
HK$23,099
+HK$1,157/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,884/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,831
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,510
−HK$690/mo
Today · 4.125%
HK$23,200
baseline
▲ 0.50% · 4.625%
HK$24,612
+HK$1,412/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,400/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,287
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,938
−HK$661/mo
Today · 4.125%
HK$25,599
baseline
▲ 0.50% · 4.625%
HK$26,948
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,198/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,069
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,942
−HK$887/mo
Today · 4.125%
HK$29,829
baseline
▲ 0.50% · 4.625%
HK$31,644
+HK$1,815/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$59,658/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,226
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,063
−HK$850/mo
Today · 4.125%
HK$32,913
baseline
▲ 0.50% · 4.625%
HK$34,648
+HK$1,735/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$65,826/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,157 · 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).