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$15,609
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,095
−HK$493/mo
Today · 4.125%
HK$16,588
baseline
▲ 0.50% · 4.625%
HK$17,597
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,176/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,365
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,831
−HK$472/mo
Today · 4.125%
HK$18,303
baseline
▲ 0.50% · 4.625%
HK$19,268
+HK$965/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,606/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,731
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,314
−HK$592/mo
Today · 4.125%
HK$19,906
baseline
▲ 0.50% · 4.625%
HK$21,117
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,812/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,838
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,397
−HK$567/mo
Today · 4.125%
HK$21,964
baseline
▲ 0.50% · 4.625%
HK$23,122
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,928/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,853
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,533
−HK$690/mo
Today · 4.125%
HK$23,223
baseline
▲ 0.50% · 4.625%
HK$24,636
+HK$1,413/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,446/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,311
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,963
−HK$662/mo
Today · 4.125%
HK$25,625
baseline
▲ 0.50% · 4.625%
HK$26,975
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,250/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,097
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,971
−HK$888/mo
Today · 4.125%
HK$29,859
baseline
▲ 0.50% · 4.625%
HK$31,675
+HK$1,816/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,718/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,257
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,096
−HK$850/mo
Today · 4.125%
HK$32,946
baseline
▲ 0.50% · 4.625%
HK$34,683
+HK$1,737/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,892/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,363 · 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).