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$15,586
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,070
−HK$493/mo
Today · 4.125%
HK$16,563
baseline
▲ 0.50% · 4.625%
HK$17,571
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,126/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,339
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,804
−HK$471/mo
Today · 4.125%
HK$18,275
baseline
▲ 0.50% · 4.625%
HK$19,239
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,550/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,703
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,284
−HK$591/mo
Today · 4.125%
HK$19,875
baseline
▲ 0.50% · 4.625%
HK$21,085
+HK$1,210/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,750/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,806
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,364
−HK$567/mo
Today · 4.125%
HK$21,931
baseline
▲ 0.50% · 4.625%
HK$23,087
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,862/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,820
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,498
−HK$690/mo
Today · 4.125%
HK$23,188
baseline
▲ 0.50% · 4.625%
HK$24,599
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,376/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,274
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,925
−HK$661/mo
Today · 4.125%
HK$25,586
baseline
▲ 0.50% · 4.625%
HK$26,934
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,172/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,054
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,927
−HK$886/mo
Today · 4.125%
HK$29,813
baseline
▲ 0.50% · 4.625%
HK$31,627
+HK$1,814/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,626/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,210
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,047
−HK$849/mo
Today · 4.125%
HK$32,896
baseline
▲ 0.50% · 4.625%
HK$34,630
+HK$1,734/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,792/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,050 · 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).