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$15,602
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,087
−HK$493/mo
Today · 4.125%
HK$16,580
baseline
▲ 0.50% · 4.625%
HK$17,589
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,160/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,357
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,823
−HK$472/mo
Today · 4.125%
HK$18,295
baseline
▲ 0.50% · 4.625%
HK$19,259
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,590/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,723
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,305
−HK$592/mo
Today · 4.125%
HK$19,897
baseline
▲ 0.50% · 4.625%
HK$21,107
+HK$1,210/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,794/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,829
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,387
−HK$567/mo
Today · 4.125%
HK$21,954
baseline
▲ 0.50% · 4.625%
HK$23,111
+HK$1,157/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,908/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,843
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,522
−HK$691/mo
Today · 4.125%
HK$23,213
baseline
▲ 0.50% · 4.625%
HK$24,625
+HK$1,412/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,426/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,300
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,952
−HK$661/mo
Today · 4.125%
HK$25,613
baseline
▲ 0.50% · 4.625%
HK$26,963
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,226/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,084
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,957
−HK$888/mo
Today · 4.125%
HK$29,845
baseline
▲ 0.50% · 4.625%
HK$31,661
+HK$1,816/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,690/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,243
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,081
−HK$850/mo
Today · 4.125%
HK$32,931
baseline
▲ 0.50% · 4.625%
HK$34,667
+HK$1,736/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,862/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,268 · 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).