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$15,614
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,100
−HK$494/mo
Today · 4.125%
HK$16,594
baseline
▲ 0.50% · 4.625%
HK$17,603
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,188/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,371
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,837
−HK$472/mo
Today · 4.125%
HK$18,309
baseline
▲ 0.50% · 4.625%
HK$19,274
+HK$965/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,618/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,737
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,320
−HK$592/mo
Today · 4.125%
HK$19,912
baseline
▲ 0.50% · 4.625%
HK$21,124
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,824/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,845
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,404
−HK$567/mo
Today · 4.125%
HK$21,971
baseline
▲ 0.50% · 4.625%
HK$23,129
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,942/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,860
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,540
−HK$691/mo
Today · 4.125%
HK$23,231
baseline
▲ 0.50% · 4.625%
HK$24,644
+HK$1,413/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,462/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,319
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,971
−HK$662/mo
Today · 4.125%
HK$25,633
baseline
▲ 0.50% · 4.625%
HK$26,984
+HK$1,351/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,266/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,106
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,980
−HK$888/mo
Today · 4.125%
HK$29,868
baseline
▲ 0.50% · 4.625%
HK$31,686
+HK$1,818/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,736/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,267
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,106
−HK$851/mo
Today · 4.125%
HK$32,957
baseline
▲ 0.50% · 4.625%
HK$34,694
+HK$1,737/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,914/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,430 · 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).