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$15,615
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,101
−HK$494/mo
Today · 4.125%
HK$16,595
baseline
▲ 0.50% · 4.625%
HK$17,604
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,190/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,372
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,838
−HK$472/mo
Today · 4.125%
HK$18,310
baseline
▲ 0.50% · 4.625%
HK$19,276
+HK$966/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,620/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,738
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,321
−HK$592/mo
Today · 4.125%
HK$19,913
baseline
▲ 0.50% · 4.625%
HK$21,125
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,826/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,846
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,405
−HK$567/mo
Today · 4.125%
HK$21,972
baseline
▲ 0.50% · 4.625%
HK$23,131
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,944/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,861
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,541
−HK$691/mo
Today · 4.125%
HK$23,232
baseline
▲ 0.50% · 4.625%
HK$24,646
+HK$1,414/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,464/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,321
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,973
−HK$662/mo
Today · 4.125%
HK$25,635
baseline
▲ 0.50% · 4.625%
HK$26,986
+HK$1,351/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,270/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,108
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,982
−HK$888/mo
Today · 4.125%
HK$29,870
baseline
▲ 0.50% · 4.625%
HK$31,688
+HK$1,818/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,740/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,269
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,108
−HK$851/mo
Today · 4.125%
HK$32,959
baseline
▲ 0.50% · 4.625%
HK$34,696
+HK$1,737/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,918/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,442 · 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).