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$15,596
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,082
−HK$492/mo
Today · 4.125%
HK$16,574
baseline
▲ 0.50% · 4.625%
HK$17,583
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,148/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,351
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,816
−HK$472/mo
Today · 4.125%
HK$18,288
baseline
▲ 0.50% · 4.625%
HK$19,252
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,576/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,716
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,298
−HK$591/mo
Today · 4.125%
HK$19,889
baseline
▲ 0.50% · 4.625%
HK$21,099
+HK$1,210/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,778/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,821
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,379
−HK$567/mo
Today · 4.125%
HK$21,946
baseline
▲ 0.50% · 4.625%
HK$23,103
+HK$1,157/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,892/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,835
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,514
−HK$690/mo
Today · 4.125%
HK$23,204
baseline
▲ 0.50% · 4.625%
HK$24,616
+HK$1,412/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,408/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,291
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,943
−HK$661/mo
Today · 4.125%
HK$25,604
baseline
▲ 0.50% · 4.625%
HK$26,953
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,208/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,073
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,947
−HK$887/mo
Today · 4.125%
HK$29,834
baseline
▲ 0.50% · 4.625%
HK$31,649
+HK$1,815/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,668/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,231
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,069
−HK$850/mo
Today · 4.125%
HK$32,919
baseline
▲ 0.50% · 4.625%
HK$34,654
+HK$1,735/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,838/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,193 · 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).