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$15,613
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,098
−HK$494/mo
Today · 4.125%
HK$16,592
baseline
▲ 0.50% · 4.625%
HK$17,601
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,184/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,369
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,835
−HK$472/mo
Today · 4.125%
HK$18,307
baseline
▲ 0.50% · 4.625%
HK$19,272
+HK$965/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,614/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,735
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,318
−HK$592/mo
Today · 4.125%
HK$19,910
baseline
▲ 0.50% · 4.625%
HK$21,121
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,820/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,843
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,402
−HK$567/mo
Today · 4.125%
HK$21,969
baseline
▲ 0.50% · 4.625%
HK$23,127
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,938/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,858
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,537
−HK$691/mo
Today · 4.125%
HK$23,228
baseline
▲ 0.50% · 4.625%
HK$24,642
+HK$1,414/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,456/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,316
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,968
−HK$662/mo
Today · 4.125%
HK$25,630
baseline
▲ 0.50% · 4.625%
HK$26,981
+HK$1,351/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,260/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,103
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,977
−HK$888/mo
Today · 4.125%
HK$29,865
baseline
▲ 0.50% · 4.625%
HK$31,682
+HK$1,817/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,730/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,264
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,102
−HK$851/mo
Today · 4.125%
HK$32,953
baseline
▲ 0.50% · 4.625%
HK$34,690
+HK$1,737/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,906/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,406 · 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).