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$15,613
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,099
−HK$493/mo
Today · 4.125%
HK$16,592
baseline
▲ 0.50% · 4.625%
HK$17,602
+HK$1,010/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,184/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,370
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,835
−HK$473/mo
Today · 4.125%
HK$18,308
baseline
▲ 0.50% · 4.625%
HK$19,273
+HK$965/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,616/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,736
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,319
−HK$592/mo
Today · 4.125%
HK$19,911
baseline
▲ 0.50% · 4.625%
HK$21,122
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,822/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,844
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,403
−HK$567/mo
Today · 4.125%
HK$21,970
baseline
▲ 0.50% · 4.625%
HK$23,128
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,940/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,859
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,538
−HK$691/mo
Today · 4.125%
HK$23,229
baseline
▲ 0.50% · 4.625%
HK$24,643
+HK$1,414/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,458/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,317
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,970
−HK$661/mo
Today · 4.125%
HK$25,631
baseline
▲ 0.50% · 4.625%
HK$26,982
+HK$1,351/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,262/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,104
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,978
−HK$888/mo
Today · 4.125%
HK$29,866
baseline
▲ 0.50% · 4.625%
HK$31,684
+HK$1,818/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,732/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,265
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,104
−HK$850/mo
Today · 4.125%
HK$32,954
baseline
▲ 0.50% · 4.625%
HK$34,692
+HK$1,738/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,908/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,415 · 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).