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$15,581
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,066
−HK$492/mo
Today · 4.125%
HK$16,558
baseline
▲ 0.50% · 4.625%
HK$17,566
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,116/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,334
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,799
−HK$471/mo
Today · 4.125%
HK$18,270
baseline
▲ 0.50% · 4.625%
HK$19,233
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,540/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,697
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,279
−HK$591/mo
Today · 4.125%
HK$19,870
baseline
▲ 0.50% · 4.625%
HK$21,079
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,740/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,800
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,358
−HK$566/mo
Today · 4.125%
HK$21,924
baseline
▲ 0.50% · 4.625%
HK$23,080
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,848/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,813
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,492
−HK$689/mo
Today · 4.125%
HK$23,181
baseline
▲ 0.50% · 4.625%
HK$24,592
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,362/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,267
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,918
−HK$660/mo
Today · 4.125%
HK$25,578
baseline
▲ 0.50% · 4.625%
HK$26,926
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,156/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,046
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,918
−HK$886/mo
Today · 4.125%
HK$29,804
baseline
▲ 0.50% · 4.625%
HK$31,618
+HK$1,814/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,608/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,201
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,037
−HK$849/mo
Today · 4.125%
HK$32,886
baseline
▲ 0.50% · 4.625%
HK$34,620
+HK$1,734/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,772/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,990 · 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).