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$15,578
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,062
−HK$493/mo
Today · 4.125%
HK$16,555
baseline
▲ 0.50% · 4.625%
HK$17,562
+HK$1,007/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,110/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,330
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,795
−HK$471/mo
Today · 4.125%
HK$18,266
baseline
▲ 0.50% · 4.625%
HK$19,229
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,532/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,693
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,275
−HK$591/mo
Today · 4.125%
HK$19,866
baseline
▲ 0.50% · 4.625%
HK$21,074
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,732/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,796
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,354
−HK$566/mo
Today · 4.125%
HK$21,920
baseline
▲ 0.50% · 4.625%
HK$23,075
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,840/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,809
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,487
−HK$690/mo
Today · 4.125%
HK$23,177
baseline
▲ 0.50% · 4.625%
HK$24,587
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,354/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,262
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,913
−HK$660/mo
Today · 4.125%
HK$25,573
baseline
▲ 0.50% · 4.625%
HK$26,921
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,146/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,040
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,912
−HK$886/mo
Today · 4.125%
HK$29,798
baseline
▲ 0.50% · 4.625%
HK$31,612
+HK$1,814/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,596/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,194
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,031
−HK$849/mo
Today · 4.125%
HK$32,880
baseline
▲ 0.50% · 4.625%
HK$34,613
+HK$1,733/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,760/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,949 · 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).