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$15,595
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,080
−HK$493/mo
Today · 4.125%
HK$16,573
baseline
▲ 0.50% · 4.625%
HK$17,581
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,146/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,349
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,815
−HK$472/mo
Today · 4.125%
HK$18,287
baseline
▲ 0.50% · 4.625%
HK$19,251
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,574/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,714
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,296
−HK$592/mo
Today · 4.125%
HK$19,888
baseline
▲ 0.50% · 4.625%
HK$21,098
+HK$1,210/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,776/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,819
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,378
−HK$566/mo
Today · 4.125%
HK$21,944
baseline
▲ 0.50% · 4.625%
HK$23,101
+HK$1,157/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,888/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,833
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,512
−HK$690/mo
Today · 4.125%
HK$23,202
baseline
▲ 0.50% · 4.625%
HK$24,614
+HK$1,412/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,404/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,289
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,941
−HK$660/mo
Today · 4.125%
HK$25,601
baseline
▲ 0.50% · 4.625%
HK$26,951
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,202/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,071
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,944
−HK$888/mo
Today · 4.125%
HK$29,832
baseline
▲ 0.50% · 4.625%
HK$31,647
+HK$1,815/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,664/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,229
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,066
−HK$850/mo
Today · 4.125%
HK$32,916
baseline
▲ 0.50% · 4.625%
HK$34,651
+HK$1,735/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,832/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,176 · 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).