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$15,580
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,064
−HK$493/mo
Today · 4.125%
HK$16,557
baseline
▲ 0.50% · 4.625%
HK$17,564
+HK$1,007/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,114/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,332
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,797
−HK$472/mo
Today · 4.125%
HK$18,269
baseline
▲ 0.50% · 4.625%
HK$19,231
+HK$962/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,538/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,696
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,277
−HK$591/mo
Today · 4.125%
HK$19,868
baseline
▲ 0.50% · 4.625%
HK$21,077
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,736/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,799
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,356
−HK$566/mo
Today · 4.125%
HK$21,922
baseline
▲ 0.50% · 4.625%
HK$23,078
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,844/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,811
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,490
−HK$689/mo
Today · 4.125%
HK$23,179
baseline
▲ 0.50% · 4.625%
HK$24,590
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,358/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,265
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,916
−HK$660/mo
Today · 4.125%
HK$25,576
baseline
▲ 0.50% · 4.625%
HK$26,924
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,152/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,043
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,916
−HK$886/mo
Today · 4.125%
HK$29,802
baseline
▲ 0.50% · 4.625%
HK$31,615
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,604/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,198
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,035
−HK$848/mo
Today · 4.125%
HK$32,883
baseline
▲ 0.50% · 4.625%
HK$34,617
+HK$1,734/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,766/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,972 · 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).