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$15,584
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,069
−HK$493/mo
Today · 4.125%
HK$16,562
baseline
▲ 0.50% · 4.625%
HK$17,569
+HK$1,007/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,124/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,338
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,803
−HK$471/mo
Today · 4.125%
HK$18,274
baseline
▲ 0.50% · 4.625%
HK$19,238
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,548/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,701
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,283
−HK$591/mo
Today · 4.125%
HK$19,874
baseline
▲ 0.50% · 4.625%
HK$21,083
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,748/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,805
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,363
−HK$566/mo
Today · 4.125%
HK$21,929
baseline
▲ 0.50% · 4.625%
HK$23,085
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,858/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,818
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,497
−HK$689/mo
Today · 4.125%
HK$23,186
baseline
▲ 0.50% · 4.625%
HK$24,597
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,372/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,273
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,924
−HK$660/mo
Today · 4.125%
HK$25,584
baseline
▲ 0.50% · 4.625%
HK$26,933
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,168/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,052
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,925
−HK$886/mo
Today · 4.125%
HK$29,811
baseline
▲ 0.50% · 4.625%
HK$31,625
+HK$1,814/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,622/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$205,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,208
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,045
−HK$849/mo
Today · 4.125%
HK$32,894
baseline
▲ 0.50% · 4.625%
HK$34,628
+HK$1,734/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,788/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$205,036 · 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).