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$15,598
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,084
−HK$493/mo
Today · 4.125%
HK$16,577
baseline
▲ 0.50% · 4.625%
HK$17,585
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,154/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,353
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,819
−HK$472/mo
Today · 4.125%
HK$18,291
baseline
▲ 0.50% · 4.625%
HK$19,255
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,582/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,718
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,300
−HK$592/mo
Today · 4.125%
HK$19,892
baseline
▲ 0.50% · 4.625%
HK$21,102
+HK$1,210/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,784/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,824
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,382
−HK$567/mo
Today · 4.125%
HK$21,949
baseline
▲ 0.50% · 4.625%
HK$23,106
+HK$1,157/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,898/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,838
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,517
−HK$690/mo
Today · 4.125%
HK$23,207
baseline
▲ 0.50% · 4.625%
HK$24,619
+HK$1,412/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,414/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,294
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,946
−HK$661/mo
Today · 4.125%
HK$25,607
baseline
▲ 0.50% · 4.625%
HK$26,957
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,214/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,077
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,951
−HK$887/mo
Today · 4.125%
HK$29,838
baseline
▲ 0.50% · 4.625%
HK$31,654
+HK$1,816/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,676/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,236
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,073
−HK$850/mo
Today · 4.125%
HK$32,923
baseline
▲ 0.50% · 4.625%
HK$34,659
+HK$1,736/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,846/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,221 · 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).