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$15,598
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,083
−HK$493/mo
Today · 4.125%
HK$16,576
baseline
▲ 0.50% · 4.625%
HK$17,584
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,152/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,352
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,818
−HK$472/mo
Today · 4.125%
HK$18,290
baseline
▲ 0.50% · 4.625%
HK$19,254
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,580/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,717
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,299
−HK$592/mo
Today · 4.125%
HK$19,891
baseline
▲ 0.50% · 4.625%
HK$21,101
+HK$1,210/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,782/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,823
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,381
−HK$567/mo
Today · 4.125%
HK$21,948
baseline
▲ 0.50% · 4.625%
HK$23,104
+HK$1,156/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,896/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,837
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,516
−HK$690/mo
Today · 4.125%
HK$23,206
baseline
▲ 0.50% · 4.625%
HK$24,618
+HK$1,412/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,412/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,293
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,945
−HK$660/mo
Today · 4.125%
HK$25,605
baseline
▲ 0.50% · 4.625%
HK$26,955
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,210/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,076
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,949
−HK$887/mo
Today · 4.125%
HK$29,836
baseline
▲ 0.50% · 4.625%
HK$31,652
+HK$1,816/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,672/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,234
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,072
−HK$849/mo
Today · 4.125%
HK$32,921
baseline
▲ 0.50% · 4.625%
HK$34,657
+HK$1,736/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,842/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,209 · 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).