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$977/mo
▼ 0.25% · 3.875%
HK$16,063
−HK$492/mo
Today · 4.125%
HK$16,555
baseline
▲ 0.50% · 4.625%
HK$17,563
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,110/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,331
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,796
−HK$471/mo
Today · 4.125%
HK$18,267
baseline
▲ 0.50% · 4.625%
HK$19,230
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,534/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,694
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,276
−HK$590/mo
Today · 4.125%
HK$19,866
baseline
▲ 0.50% · 4.625%
HK$21,075
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,732/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,797
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,355
−HK$566/mo
Today · 4.125%
HK$21,921
baseline
▲ 0.50% · 4.625%
HK$23,076
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,842/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,810
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,488
−HK$689/mo
Today · 4.125%
HK$23,177
baseline
▲ 0.50% · 4.625%
HK$24,588
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,354/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,263
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,914
−HK$660/mo
Today · 4.125%
HK$25,574
baseline
▲ 0.50% · 4.625%
HK$26,922
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,148/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,041
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,913
−HK$886/mo
Today · 4.125%
HK$29,799
baseline
▲ 0.50% · 4.625%
HK$31,613
+HK$1,814/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,598/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,195
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,032
−HK$849/mo
Today · 4.125%
HK$32,881
baseline
▲ 0.50% · 4.625%
HK$34,614
+HK$1,733/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,762/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,956 · 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).