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$15,620
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,105
−HK$494/mo
Today · 4.125%
HK$16,599
baseline
▲ 0.50% · 4.625%
HK$17,609
+HK$1,010/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,198/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,377
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,843
−HK$472/mo
Today · 4.125%
HK$18,315
baseline
▲ 0.50% · 4.625%
HK$19,281
+HK$966/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,630/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,743
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,326
−HK$593/mo
Today · 4.125%
HK$19,919
baseline
▲ 0.50% · 4.625%
HK$21,131
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,838/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,852
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,411
−HK$567/mo
Today · 4.125%
HK$21,978
baseline
▲ 0.50% · 4.625%
HK$23,137
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,956/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,867
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,548
−HK$691/mo
Today · 4.125%
HK$23,239
baseline
▲ 0.50% · 4.625%
HK$24,653
+HK$1,414/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,478/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,327
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,980
−HK$662/mo
Today · 4.125%
HK$25,642
baseline
▲ 0.50% · 4.625%
HK$26,993
+HK$1,351/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,284/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,115
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,990
−HK$888/mo
Today · 4.125%
HK$29,878
baseline
▲ 0.50% · 4.625%
HK$31,696
+HK$1,818/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,756/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,278
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,117
−HK$851/mo
Today · 4.125%
HK$32,968
baseline
▲ 0.50% · 4.625%
HK$34,705
+HK$1,737/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,936/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,497 · 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).