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$15,612
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,097
−HK$494/mo
Today · 4.125%
HK$16,591
baseline
▲ 0.50% · 4.625%
HK$17,600
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,182/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,368
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,834
−HK$472/mo
Today · 4.125%
HK$18,306
baseline
▲ 0.50% · 4.625%
HK$19,271
+HK$965/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,612/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,734
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,317
−HK$592/mo
Today · 4.125%
HK$19,909
baseline
▲ 0.50% · 4.625%
HK$21,120
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,818/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,841
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$567/mo
Today · 4.125%
HK$21,967
baseline
▲ 0.50% · 4.625%
HK$23,125
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,934/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,856
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,536
−HK$691/mo
Today · 4.125%
HK$23,227
baseline
▲ 0.50% · 4.625%
HK$24,640
+HK$1,413/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,454/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,315
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,967
−HK$662/mo
Today · 4.125%
HK$25,629
baseline
▲ 0.50% · 4.625%
HK$26,979
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,258/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,101
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,975
−HK$888/mo
Today · 4.125%
HK$29,863
baseline
▲ 0.50% · 4.625%
HK$31,680
+HK$1,817/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,726/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,262
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,100
−HK$851/mo
Today · 4.125%
HK$32,951
baseline
▲ 0.50% · 4.625%
HK$34,688
+HK$1,737/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,902/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,393 · 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).