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$15,588
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,073
−HK$492/mo
Today · 4.125%
HK$16,565
baseline
▲ 0.50% · 4.625%
HK$17,573
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,130/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,341
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,807
−HK$471/mo
Today · 4.125%
HK$18,278
baseline
▲ 0.50% · 4.625%
HK$19,242
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,556/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,706
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,287
−HK$592/mo
Today · 4.125%
HK$19,879
baseline
▲ 0.50% · 4.625%
HK$21,088
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,758/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,810
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,368
−HK$566/mo
Today · 4.125%
HK$21,934
baseline
▲ 0.50% · 4.625%
HK$23,090
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,868/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,823
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,502
−HK$690/mo
Today · 4.125%
HK$23,192
baseline
▲ 0.50% · 4.625%
HK$24,603
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,384/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,278
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,929
−HK$661/mo
Today · 4.125%
HK$25,590
baseline
▲ 0.50% · 4.625%
HK$26,939
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,180/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,058
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,931
−HK$887/mo
Today · 4.125%
HK$29,818
baseline
▲ 0.50% · 4.625%
HK$31,632
+HK$1,814/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$59,636/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,215
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,052
−HK$849/mo
Today · 4.125%
HK$32,901
baseline
▲ 0.50% · 4.625%
HK$34,635
+HK$1,734/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$65,802/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,082 · 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).