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$15,597
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,082
−HK$493/mo
Today · 4.125%
HK$16,575
baseline
▲ 0.50% · 4.625%
HK$17,584
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,150/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,352
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,817
−HK$472/mo
Today · 4.125%
HK$18,289
baseline
▲ 0.50% · 4.625%
HK$19,253
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,578/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,716
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,299
−HK$591/mo
Today · 4.125%
HK$19,890
baseline
▲ 0.50% · 4.625%
HK$21,100
+HK$1,210/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,780/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,822
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,380
−HK$567/mo
Today · 4.125%
HK$21,947
baseline
▲ 0.50% · 4.625%
HK$23,104
+HK$1,157/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,894/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,836
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,515
−HK$690/mo
Today · 4.125%
HK$23,205
baseline
▲ 0.50% · 4.625%
HK$24,617
+HK$1,412/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,410/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,292
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,944
−HK$661/mo
Today · 4.125%
HK$25,605
baseline
▲ 0.50% · 4.625%
HK$26,954
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,210/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,075
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,948
−HK$887/mo
Today · 4.125%
HK$29,835
baseline
▲ 0.50% · 4.625%
HK$31,651
+HK$1,816/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,670/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,233
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,070
−HK$850/mo
Today · 4.125%
HK$32,920
baseline
▲ 0.50% · 4.625%
HK$34,656
+HK$1,736/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,840/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,202 · 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).