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$978/mo
▼ 0.25% · 3.875%
HK$16,071
−HK$493/mo
Today · 4.125%
HK$16,564
baseline
▲ 0.50% · 4.625%
HK$17,572
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,128/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,340
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,805
−HK$471/mo
Today · 4.125%
HK$18,276
baseline
▲ 0.50% · 4.625%
HK$19,240
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,552/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,704
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,285
−HK$591/mo
Today · 4.125%
HK$19,876
baseline
▲ 0.50% · 4.625%
HK$21,086
+HK$1,210/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,752/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,808
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,366
−HK$566/mo
Today · 4.125%
HK$21,932
baseline
▲ 0.50% · 4.625%
HK$23,088
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,864/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,821
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,500
−HK$689/mo
Today · 4.125%
HK$23,189
baseline
▲ 0.50% · 4.625%
HK$24,600
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,378/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,275
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,927
−HK$660/mo
Today · 4.125%
HK$25,587
baseline
▲ 0.50% · 4.625%
HK$26,936
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,174/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,055
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,928
−HK$887/mo
Today · 4.125%
HK$29,815
baseline
▲ 0.50% · 4.625%
HK$31,629
+HK$1,814/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$59,630/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,211
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,048
−HK$850/mo
Today · 4.125%
HK$32,898
baseline
▲ 0.50% · 4.625%
HK$34,632
+HK$1,734/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$65,796/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,061 · 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).