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$15,581
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,065
−HK$493/mo
Today · 4.125%
HK$16,558
baseline
▲ 0.50% · 4.625%
HK$17,565
+HK$1,007/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,116/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,333
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,798
−HK$472/mo
Today · 4.125%
HK$18,270
baseline
▲ 0.50% · 4.625%
HK$19,233
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,540/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,697
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,278
−HK$591/mo
Today · 4.125%
HK$19,869
baseline
▲ 0.50% · 4.625%
HK$21,078
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,738/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,800
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,358
−HK$566/mo
Today · 4.125%
HK$21,924
baseline
▲ 0.50% · 4.625%
HK$23,079
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,848/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,813
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,491
−HK$690/mo
Today · 4.125%
HK$23,181
baseline
▲ 0.50% · 4.625%
HK$24,591
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,362/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,267
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,917
−HK$661/mo
Today · 4.125%
HK$25,578
baseline
▲ 0.50% · 4.625%
HK$26,926
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,156/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,045
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,917
−HK$887/mo
Today · 4.125%
HK$29,804
baseline
▲ 0.50% · 4.625%
HK$31,617
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,608/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,200
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,037
−HK$848/mo
Today · 4.125%
HK$32,885
baseline
▲ 0.50% · 4.625%
HK$34,619
+HK$1,734/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,770/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,985 · 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).