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$15,610
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,096
−HK$493/mo
Today · 4.125%
HK$16,589
baseline
▲ 0.50% · 4.625%
HK$17,598
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,178/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,366
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,832
−HK$472/mo
Today · 4.125%
HK$18,304
baseline
▲ 0.50% · 4.625%
HK$19,269
+HK$965/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,608/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,732
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,315
−HK$592/mo
Today · 4.125%
HK$19,907
baseline
▲ 0.50% · 4.625%
HK$21,118
+HK$1,211/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,814/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,839
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,398
−HK$567/mo
Today · 4.125%
HK$21,965
baseline
▲ 0.50% · 4.625%
HK$23,123
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,930/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,854
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,534
−HK$691/mo
Today · 4.125%
HK$23,225
baseline
▲ 0.50% · 4.625%
HK$24,638
+HK$1,413/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,450/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,313
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,965
−HK$661/mo
Today · 4.125%
HK$25,626
baseline
▲ 0.50% · 4.625%
HK$26,977
+HK$1,351/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,252/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,098
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,972
−HK$888/mo
Today · 4.125%
HK$29,860
baseline
▲ 0.50% · 4.625%
HK$31,677
+HK$1,817/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,720/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,259
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,097
−HK$851/mo
Today · 4.125%
HK$32,948
baseline
▲ 0.50% · 4.625%
HK$34,684
+HK$1,736/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,896/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,373 · 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).