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$15,579
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,064
−HK$492/mo
Today · 4.125%
HK$16,556
baseline
▲ 0.50% · 4.625%
HK$17,564
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,112/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,332
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,797
−HK$471/mo
Today · 4.125%
HK$18,268
baseline
▲ 0.50% · 4.625%
HK$19,231
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,536/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,695
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,277
−HK$590/mo
Today · 4.125%
HK$19,867
baseline
▲ 0.50% · 4.625%
HK$21,076
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,734/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,798
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,356
−HK$566/mo
Today · 4.125%
HK$21,922
baseline
▲ 0.50% · 4.625%
HK$23,077
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,844/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,811
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,489
−HK$690/mo
Today · 4.125%
HK$23,179
baseline
▲ 0.50% · 4.625%
HK$24,589
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,358/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,264
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,915
−HK$660/mo
Today · 4.125%
HK$25,575
baseline
▲ 0.50% · 4.625%
HK$26,923
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,150/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,043
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,915
−HK$886/mo
Today · 4.125%
HK$29,801
baseline
▲ 0.50% · 4.625%
HK$31,614
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,602/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,197
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,034
−HK$849/mo
Today · 4.125%
HK$32,883
baseline
▲ 0.50% · 4.625%
HK$34,616
+HK$1,733/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,766/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,967 · 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).