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$15,603
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,088
−HK$494/mo
Today · 4.125%
HK$16,582
baseline
▲ 0.50% · 4.625%
HK$17,590
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,164/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,358
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,824
−HK$472/mo
Today · 4.125%
HK$18,296
baseline
▲ 0.50% · 4.625%
HK$19,260
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,592/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,724
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,306
−HK$592/mo
Today · 4.125%
HK$19,898
baseline
▲ 0.50% · 4.625%
HK$21,109
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,796/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,830
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,389
−HK$566/mo
Today · 4.125%
HK$21,955
baseline
▲ 0.50% · 4.625%
HK$23,113
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,910/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,844
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,524
−HK$690/mo
Today · 4.125%
HK$23,214
baseline
▲ 0.50% · 4.625%
HK$24,627
+HK$1,413/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,428/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,302
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,953
−HK$662/mo
Today · 4.125%
HK$25,615
baseline
▲ 0.50% · 4.625%
HK$26,965
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,230/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,086
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,959
−HK$888/mo
Today · 4.125%
HK$29,847
baseline
▲ 0.50% · 4.625%
HK$31,663
+HK$1,816/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,694/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,245
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,083
−HK$850/mo
Today · 4.125%
HK$32,933
baseline
▲ 0.50% · 4.625%
HK$34,669
+HK$1,736/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,866/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,281 · 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).