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$15,600
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,086
−HK$493/mo
Today · 4.125%
HK$16,579
baseline
▲ 0.50% · 4.625%
HK$17,587
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,158/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,355
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,821
−HK$472/mo
Today · 4.125%
HK$18,293
baseline
▲ 0.50% · 4.625%
HK$19,257
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,586/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,720
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,303
−HK$591/mo
Today · 4.125%
HK$19,894
baseline
▲ 0.50% · 4.625%
HK$21,105
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,788/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,826
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,385
−HK$566/mo
Today · 4.125%
HK$21,951
baseline
▲ 0.50% · 4.625%
HK$23,109
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,902/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,840
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,520
−HK$690/mo
Today · 4.125%
HK$23,210
baseline
▲ 0.50% · 4.625%
HK$24,622
+HK$1,412/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,420/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,297
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,949
−HK$661/mo
Today · 4.125%
HK$25,610
baseline
▲ 0.50% · 4.625%
HK$26,960
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,220/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,081
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,954
−HK$888/mo
Today · 4.125%
HK$29,842
baseline
▲ 0.50% · 4.625%
HK$31,657
+HK$1,815/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,684/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,239
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,077
−HK$850/mo
Today · 4.125%
HK$32,927
baseline
▲ 0.50% · 4.625%
HK$34,663
+HK$1,736/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,854/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,245 · 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).