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$15,583
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,068
−HK$492/mo
Today · 4.125%
HK$16,560
baseline
▲ 0.50% · 4.625%
HK$17,568
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,120/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,336
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,801
−HK$472/mo
Today · 4.125%
HK$18,273
baseline
▲ 0.50% · 4.625%
HK$19,236
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,546/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,700
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,282
−HK$591/mo
Today · 4.125%
HK$19,873
baseline
▲ 0.50% · 4.625%
HK$21,082
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,746/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,803
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,361
−HK$566/mo
Today · 4.125%
HK$21,927
baseline
▲ 0.50% · 4.625%
HK$23,083
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,854/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,817
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,495
−HK$690/mo
Today · 4.125%
HK$23,185
baseline
▲ 0.50% · 4.625%
HK$24,595
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,370/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,271
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,922
−HK$660/mo
Today · 4.125%
HK$25,582
baseline
▲ 0.50% · 4.625%
HK$26,930
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,164/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,050
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,922
−HK$887/mo
Today · 4.125%
HK$29,809
baseline
▲ 0.50% · 4.625%
HK$31,623
+HK$1,814/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,618/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$205,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,205
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,042
−HK$849/mo
Today · 4.125%
HK$32,891
baseline
▲ 0.50% · 4.625%
HK$34,625
+HK$1,734/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,782/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$205,020 · 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).