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$15,576
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,061
−HK$492/mo
Today · 4.125%
HK$16,553
baseline
▲ 0.50% · 4.625%
HK$17,560
+HK$1,007/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,106/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,328
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,793
−HK$471/mo
Today · 4.125%
HK$18,264
baseline
▲ 0.50% · 4.625%
HK$19,227
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,528/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,691
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,273
−HK$590/mo
Today · 4.125%
HK$19,863
baseline
▲ 0.50% · 4.625%
HK$21,072
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,726/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,794
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,352
−HK$565/mo
Today · 4.125%
HK$21,917
baseline
▲ 0.50% · 4.625%
HK$23,073
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,834/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,806
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,485
−HK$689/mo
Today · 4.125%
HK$23,174
baseline
▲ 0.50% · 4.625%
HK$24,584
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,348/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,259
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,910
−HK$660/mo
Today · 4.125%
HK$25,570
baseline
▲ 0.50% · 4.625%
HK$26,918
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,140/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,037
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,909
−HK$886/mo
Today · 4.125%
HK$29,795
baseline
▲ 0.50% · 4.625%
HK$31,608
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,590/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,191
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,027
−HK$849/mo
Today · 4.125%
HK$32,876
baseline
▲ 0.50% · 4.625%
HK$34,609
+HK$1,733/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,752/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,925 · 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).