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$15,619
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,105
−HK$494/mo
Today · 4.125%
HK$16,599
baseline
▲ 0.50% · 4.625%
HK$17,609
+HK$1,010/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,198/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,376
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,842
−HK$473/mo
Today · 4.125%
HK$18,315
baseline
▲ 0.50% · 4.625%
HK$19,281
+HK$966/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,630/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,743
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,326
−HK$593/mo
Today · 4.125%
HK$19,919
baseline
▲ 0.50% · 4.625%
HK$21,131
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,838/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,852
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,411
−HK$567/mo
Today · 4.125%
HK$21,978
baseline
▲ 0.50% · 4.625%
HK$23,137
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,956/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,867
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,547
−HK$691/mo
Today · 4.125%
HK$23,238
baseline
▲ 0.50% · 4.625%
HK$24,652
+HK$1,414/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,476/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,327
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,979
−HK$662/mo
Today · 4.125%
HK$25,641
baseline
▲ 0.50% · 4.625%
HK$26,993
+HK$1,352/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,282/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,115
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,989
−HK$889/mo
Today · 4.125%
HK$29,878
baseline
▲ 0.50% · 4.625%
HK$31,696
+HK$1,818/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,756/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,277
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,116
−HK$851/mo
Today · 4.125%
HK$32,967
baseline
▲ 0.50% · 4.625%
HK$34,705
+HK$1,738/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,934/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,495 · 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).