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$15,606
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,091
−HK$493/mo
Today · 4.125%
HK$16,584
baseline
▲ 0.50% · 4.625%
HK$17,594
+HK$1,010/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,168/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,361
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,827
−HK$472/mo
Today · 4.125%
HK$18,299
baseline
▲ 0.50% · 4.625%
HK$19,264
+HK$965/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,598/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,727
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,310
−HK$591/mo
Today · 4.125%
HK$19,901
baseline
▲ 0.50% · 4.625%
HK$21,112
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,802/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,834
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,392
−HK$567/mo
Today · 4.125%
HK$21,959
baseline
▲ 0.50% · 4.625%
HK$23,117
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,918/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,848
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,528
−HK$690/mo
Today · 4.125%
HK$23,218
baseline
▲ 0.50% · 4.625%
HK$24,631
+HK$1,413/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,436/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,306
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,958
−HK$661/mo
Today · 4.125%
HK$25,619
baseline
▲ 0.50% · 4.625%
HK$26,969
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,238/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,090
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,964
−HK$888/mo
Today · 4.125%
HK$29,852
baseline
▲ 0.50% · 4.625%
HK$31,668
+HK$1,816/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,704/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,250
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,089
−HK$850/mo
Today · 4.125%
HK$32,939
baseline
▲ 0.50% · 4.625%
HK$34,675
+HK$1,736/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,878/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,317 · 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).