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$15,594
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,079
−HK$493/mo
Today · 4.125%
HK$16,572
baseline
▲ 0.50% · 4.625%
HK$17,580
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,144/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,348
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,814
−HK$472/mo
Today · 4.125%
HK$18,286
baseline
▲ 0.50% · 4.625%
HK$19,249
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,572/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,713
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,295
−HK$591/mo
Today · 4.125%
HK$19,886
baseline
▲ 0.50% · 4.625%
HK$21,096
+HK$1,210/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,772/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,818
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$567/mo
Today · 4.125%
HK$21,943
baseline
▲ 0.50% · 4.625%
HK$23,099
+HK$1,156/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,886/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,832
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,511
−HK$690/mo
Today · 4.125%
HK$23,201
baseline
▲ 0.50% · 4.625%
HK$24,612
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,402/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,288
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,939
−HK$661/mo
Today · 4.125%
HK$25,600
baseline
▲ 0.50% · 4.625%
HK$26,949
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,200/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,069
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,942
−HK$888/mo
Today · 4.125%
HK$29,830
baseline
▲ 0.50% · 4.625%
HK$31,645
+HK$1,815/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$59,660/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,227
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,064
−HK$850/mo
Today · 4.125%
HK$32,914
baseline
▲ 0.50% · 4.625%
HK$34,649
+HK$1,735/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$65,828/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,162 · 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).