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$15,608
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,094
−HK$493/mo
Today · 4.125%
HK$16,587
baseline
▲ 0.50% · 4.625%
HK$17,596
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,174/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,364
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,830
−HK$472/mo
Today · 4.125%
HK$18,302
baseline
▲ 0.50% · 4.625%
HK$19,267
+HK$965/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,604/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,730
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,312
−HK$592/mo
Today · 4.125%
HK$19,904
baseline
▲ 0.50% · 4.625%
HK$21,115
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,808/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,837
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,395
−HK$567/mo
Today · 4.125%
HK$21,962
baseline
▲ 0.50% · 4.625%
HK$23,120
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,924/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,851
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,531
−HK$691/mo
Today · 4.125%
HK$23,222
baseline
▲ 0.50% · 4.625%
HK$24,635
+HK$1,413/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,444/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,309
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,961
−HK$662/mo
Today · 4.125%
HK$25,623
baseline
▲ 0.50% · 4.625%
HK$26,973
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,246/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,095
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,969
−HK$887/mo
Today · 4.125%
HK$29,856
baseline
▲ 0.50% · 4.625%
HK$31,673
+HK$1,817/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,712/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,255
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,093
−HK$851/mo
Today · 4.125%
HK$32,944
baseline
▲ 0.50% · 4.625%
HK$34,680
+HK$1,736/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,888/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,348 · 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).