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$978/mo
▼ 0.25% · 3.875%
HK$16,083
−HK$493/mo
Today · 4.125%
HK$16,576
baseline
▲ 0.50% · 4.625%
HK$17,585
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,152/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,353
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,818
−HK$472/mo
Today · 4.125%
HK$18,290
baseline
▲ 0.50% · 4.625%
HK$19,254
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,580/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,717
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,300
−HK$591/mo
Today · 4.125%
HK$19,891
baseline
▲ 0.50% · 4.625%
HK$21,102
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,782/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,823
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,381
−HK$567/mo
Today · 4.125%
HK$21,948
baseline
▲ 0.50% · 4.625%
HK$23,105
+HK$1,157/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,896/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,837
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,516
−HK$690/mo
Today · 4.125%
HK$23,206
baseline
▲ 0.50% · 4.625%
HK$24,619
+HK$1,413/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,412/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,294
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,945
−HK$661/mo
Today · 4.125%
HK$25,606
baseline
▲ 0.50% · 4.625%
HK$26,956
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,212/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,076
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,950
−HK$887/mo
Today · 4.125%
HK$29,837
baseline
▲ 0.50% · 4.625%
HK$31,652
+HK$1,815/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,674/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,235
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,072
−HK$850/mo
Today · 4.125%
HK$32,922
baseline
▲ 0.50% · 4.625%
HK$34,657
+HK$1,735/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,844/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,213 · 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).