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$15,587
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,072
−HK$493/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$205,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,341
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,806
−HK$471/mo
Today · 4.125%
HK$18,277
baseline
▲ 0.50% · 4.625%
HK$19,241
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,554/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,705
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,286
−HK$592/mo
Today · 4.125%
HK$19,878
baseline
▲ 0.50% · 4.625%
HK$21,087
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,756/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,809
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,367
−HK$566/mo
Today · 4.125%
HK$21,933
baseline
▲ 0.50% · 4.625%
HK$23,089
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,866/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,822
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,501
−HK$689/mo
Today · 4.125%
HK$23,190
baseline
▲ 0.50% · 4.625%
HK$24,602
+HK$1,412/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,380/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,277
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,928
−HK$660/mo
Today · 4.125%
HK$25,588
baseline
▲ 0.50% · 4.625%
HK$26,937
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,176/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,057
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,930
−HK$886/mo
Today · 4.125%
HK$29,816
baseline
▲ 0.50% · 4.625%
HK$31,631
+HK$1,815/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$59,632/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,213
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,050
−HK$849/mo
Today · 4.125%
HK$32,899
baseline
▲ 0.50% · 4.625%
HK$34,634
+HK$1,735/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$65,798/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,072 · 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).