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$15,619
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,104
−HK$494/mo
Today · 4.125%
HK$16,598
baseline
▲ 0.50% · 4.625%
HK$17,608
+HK$1,010/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,196/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,375
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,841
−HK$473/mo
Today · 4.125%
HK$18,314
baseline
▲ 0.50% · 4.625%
HK$19,280
+HK$966/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,628/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,742
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,325
−HK$593/mo
Today · 4.125%
HK$19,918
baseline
▲ 0.50% · 4.625%
HK$21,129
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,836/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,851
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,410
−HK$567/mo
Today · 4.125%
HK$21,977
baseline
▲ 0.50% · 4.625%
HK$23,135
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,954/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,866
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,546
−HK$691/mo
Today · 4.125%
HK$23,237
baseline
▲ 0.50% · 4.625%
HK$24,651
+HK$1,414/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,474/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,326
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,978
−HK$662/mo
Today · 4.125%
HK$25,640
baseline
▲ 0.50% · 4.625%
HK$26,991
+HK$1,351/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,280/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,113
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,988
−HK$888/mo
Today · 4.125%
HK$29,876
baseline
▲ 0.50% · 4.625%
HK$31,694
+HK$1,818/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,752/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,276
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,115
−HK$851/mo
Today · 4.125%
HK$32,966
baseline
▲ 0.50% · 4.625%
HK$34,703
+HK$1,737/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,932/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,484 · 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).