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$15,591
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,076
−HK$493/mo
Today · 4.125%
HK$16,569
baseline
▲ 0.50% · 4.625%
HK$17,577
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,138/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,345
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,810
−HK$472/mo
Today · 4.125%
HK$18,282
baseline
▲ 0.50% · 4.625%
HK$19,246
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,564/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,710
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,292
−HK$591/mo
Today · 4.125%
HK$19,883
baseline
▲ 0.50% · 4.625%
HK$21,093
+HK$1,210/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,766/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,814
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,373
−HK$566/mo
Today · 4.125%
HK$21,939
baseline
▲ 0.50% · 4.625%
HK$23,095
+HK$1,156/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,878/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,507
−HK$690/mo
Today · 4.125%
HK$23,197
baseline
▲ 0.50% · 4.625%
HK$24,608
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,394/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,283
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,935
−HK$660/mo
Today · 4.125%
HK$25,595
baseline
▲ 0.50% · 4.625%
HK$26,944
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,190/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,064
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,937
−HK$887/mo
Today · 4.125%
HK$29,824
baseline
▲ 0.50% · 4.625%
HK$31,639
+HK$1,815/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$59,648/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,221
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,059
−HK$849/mo
Today · 4.125%
HK$32,908
baseline
▲ 0.50% · 4.625%
HK$34,643
+HK$1,735/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$65,816/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,127 · 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).