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$15,579
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,063
−HK$493/mo
Today · 4.125%
HK$16,556
baseline
▲ 0.50% · 4.625%
HK$17,563
+HK$1,007/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,112/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,331
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,796
−HK$471/mo
Today · 4.125%
HK$18,267
baseline
▲ 0.50% · 4.625%
HK$19,230
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,534/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,694
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,276
−HK$591/mo
Today · 4.125%
HK$19,867
baseline
▲ 0.50% · 4.625%
HK$21,076
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,734/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,797
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,355
−HK$566/mo
Today · 4.125%
HK$21,921
baseline
▲ 0.50% · 4.625%
HK$23,076
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,842/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,810
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,489
−HK$689/mo
Today · 4.125%
HK$23,178
baseline
▲ 0.50% · 4.625%
HK$24,588
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,356/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,264
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,914
−HK$660/mo
Today · 4.125%
HK$25,574
baseline
▲ 0.50% · 4.625%
HK$26,923
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,148/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,042
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,914
−HK$886/mo
Today · 4.125%
HK$29,800
baseline
▲ 0.50% · 4.625%
HK$31,613
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,600/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,196
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,033
−HK$848/mo
Today · 4.125%
HK$32,881
baseline
▲ 0.50% · 4.625%
HK$34,615
+HK$1,734/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,762/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,960 · 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).