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$15,605
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,091
−HK$493/mo
Today · 4.125%
HK$16,584
baseline
▲ 0.50% · 4.625%
HK$17,593
+HK$1,009/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$205,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,361
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,826
−HK$473/mo
Today · 4.125%
HK$18,299
baseline
▲ 0.50% · 4.625%
HK$19,263
+HK$964/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$205,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,726
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,309
−HK$592/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$205,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,833
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,392
−HK$567/mo
Today · 4.125%
HK$21,959
baseline
▲ 0.50% · 4.625%
HK$23,116
+HK$1,157/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$205,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,848
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,527
−HK$691/mo
Today · 4.125%
HK$23,218
baseline
▲ 0.50% · 4.625%
HK$24,630
+HK$1,412/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$205,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,305
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,957
−HK$661/mo
Today · 4.125%
HK$25,618
baseline
▲ 0.50% · 4.625%
HK$26,969
+HK$1,351/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,236/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,090
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,963
−HK$888/mo
Today · 4.125%
HK$29,851
baseline
▲ 0.50% · 4.625%
HK$31,668
+HK$1,817/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,702/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,249
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,088
−HK$850/mo
Today · 4.125%
HK$32,938
baseline
▲ 0.50% · 4.625%
HK$34,674
+HK$1,736/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,876/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,311 · 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).