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$15,583
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,067
−HK$493/mo
Today · 4.125%
HK$16,560
baseline
▲ 0.50% · 4.625%
HK$17,567
+HK$1,007/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,120/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,335
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,800
−HK$472/mo
Today · 4.125%
HK$18,272
baseline
▲ 0.50% · 4.625%
HK$19,235
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,544/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,699
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,281
−HK$591/mo
Today · 4.125%
HK$19,872
baseline
▲ 0.50% · 4.625%
HK$21,081
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,744/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,803
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,360
−HK$566/mo
Today · 4.125%
HK$21,926
baseline
▲ 0.50% · 4.625%
HK$23,082
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,852/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,816
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,494
−HK$690/mo
Today · 4.125%
HK$23,184
baseline
▲ 0.50% · 4.625%
HK$24,594
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,368/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,270
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,921
−HK$660/mo
Today · 4.125%
HK$25,581
baseline
▲ 0.50% · 4.625%
HK$26,929
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,162/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,049
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,921
−HK$887/mo
Today · 4.125%
HK$29,808
baseline
▲ 0.50% · 4.625%
HK$31,621
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,616/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$205,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,204
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,041
−HK$849/mo
Today · 4.125%
HK$32,890
baseline
▲ 0.50% · 4.625%
HK$34,623
+HK$1,733/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,780/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$205,011 · 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).