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$15,575
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,059
−HK$492/mo
Today · 4.125%
HK$16,551
baseline
▲ 0.50% · 4.625%
HK$17,558
+HK$1,007/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,102/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,327
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,791
−HK$472/mo
Today · 4.125%
HK$18,263
baseline
▲ 0.50% · 4.625%
HK$19,225
+HK$962/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,526/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,690
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,271
−HK$591/mo
Today · 4.125%
HK$19,862
baseline
▲ 0.50% · 4.625%
HK$21,070
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,724/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,792
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,350
−HK$565/mo
Today · 4.125%
HK$21,915
baseline
▲ 0.50% · 4.625%
HK$23,071
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,830/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,805
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,483
−HK$689/mo
Today · 4.125%
HK$23,172
baseline
▲ 0.50% · 4.625%
HK$24,582
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,344/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,257
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,908
−HK$660/mo
Today · 4.125%
HK$25,568
baseline
▲ 0.50% · 4.625%
HK$26,916
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,136/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,034
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,906
−HK$886/mo
Today · 4.125%
HK$29,792
baseline
▲ 0.50% · 4.625%
HK$31,605
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,584/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,188
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,025
−HK$848/mo
Today · 4.125%
HK$32,873
baseline
▲ 0.50% · 4.625%
HK$34,606
+HK$1,733/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,746/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,908 · 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).