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$15,587
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,072
−HK$493/mo
Today · 4.125%
HK$16,565
baseline
▲ 0.50% · 4.625%
HK$17,573
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,130/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,341
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,806
−HK$472/mo
Today · 4.125%
HK$18,278
baseline
▲ 0.50% · 4.625%
HK$19,241
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,556/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,705
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,287
−HK$591/mo
Today · 4.125%
HK$19,878
baseline
▲ 0.50% · 4.625%
HK$21,087
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,756/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,809
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,367
−HK$566/mo
Today · 4.125%
HK$21,933
baseline
▲ 0.50% · 4.625%
HK$23,089
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,866/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,822
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,501
−HK$690/mo
Today · 4.125%
HK$23,191
baseline
▲ 0.50% · 4.625%
HK$24,602
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,382/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,277
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,928
−HK$661/mo
Today · 4.125%
HK$25,589
baseline
▲ 0.50% · 4.625%
HK$26,938
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,178/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,057
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,930
−HK$887/mo
Today · 4.125%
HK$29,817
baseline
▲ 0.50% · 4.625%
HK$31,631
+HK$1,814/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$59,634/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,213
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,051
−HK$849/mo
Today · 4.125%
HK$32,900
baseline
▲ 0.50% · 4.625%
HK$34,634
+HK$1,734/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$65,800/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,075 · 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).