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$15,617
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,103
−HK$493/mo
Today · 4.125%
HK$16,596
baseline
▲ 0.50% · 4.625%
HK$17,606
+HK$1,010/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,192/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,374
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,840
−HK$472/mo
Today · 4.125%
HK$18,312
baseline
▲ 0.50% · 4.625%
HK$19,278
+HK$966/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,624/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,740
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,323
−HK$593/mo
Today · 4.125%
HK$19,916
baseline
▲ 0.50% · 4.625%
HK$21,127
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,832/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,849
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,408
−HK$567/mo
Today · 4.125%
HK$21,975
baseline
▲ 0.50% · 4.625%
HK$23,133
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,950/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,864
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,544
−HK$691/mo
Today · 4.125%
HK$23,235
baseline
▲ 0.50% · 4.625%
HK$24,649
+HK$1,414/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,470/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,323
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,976
−HK$661/mo
Today · 4.125%
HK$25,637
baseline
▲ 0.50% · 4.625%
HK$26,989
+HK$1,352/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,274/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,111
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,985
−HK$888/mo
Today · 4.125%
HK$29,873
baseline
▲ 0.50% · 4.625%
HK$31,691
+HK$1,818/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,746/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,273
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,112
−HK$850/mo
Today · 4.125%
HK$32,962
baseline
▲ 0.50% · 4.625%
HK$34,700
+HK$1,738/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,924/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,465 · 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).