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$15,578
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,062
−HK$492/mo
Today · 4.125%
HK$16,554
baseline
▲ 0.50% · 4.625%
HK$17,562
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,108/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,330
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,795
−HK$471/mo
Today · 4.125%
HK$18,266
baseline
▲ 0.50% · 4.625%
HK$19,229
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,532/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,693
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,275
−HK$590/mo
Today · 4.125%
HK$19,865
baseline
▲ 0.50% · 4.625%
HK$21,074
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,730/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,796
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,354
−HK$565/mo
Today · 4.125%
HK$21,919
baseline
▲ 0.50% · 4.625%
HK$23,075
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,838/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,809
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,487
−HK$689/mo
Today · 4.125%
HK$23,176
baseline
▲ 0.50% · 4.625%
HK$24,586
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,352/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,262
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,913
−HK$660/mo
Today · 4.125%
HK$25,573
baseline
▲ 0.50% · 4.625%
HK$26,921
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,146/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,040
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,912
−HK$886/mo
Today · 4.125%
HK$29,798
baseline
▲ 0.50% · 4.625%
HK$31,611
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,596/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,194
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,030
−HK$849/mo
Today · 4.125%
HK$32,879
baseline
▲ 0.50% · 4.625%
HK$34,612
+HK$1,733/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,758/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,945 · 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).