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$15,617
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,103
−HK$494/mo
Today · 4.125%
HK$16,597
baseline
▲ 0.50% · 4.625%
HK$17,607
+HK$1,010/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,194/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,374
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,840
−HK$473/mo
Today · 4.125%
HK$18,313
baseline
▲ 0.50% · 4.625%
HK$19,278
+HK$965/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,626/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,741
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,324
−HK$592/mo
Today · 4.125%
HK$19,916
baseline
▲ 0.50% · 4.625%
HK$21,128
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,832/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,849
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,408
−HK$567/mo
Today · 4.125%
HK$21,975
baseline
▲ 0.50% · 4.625%
HK$23,134
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,950/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,864
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,544
−HK$691/mo
Today · 4.125%
HK$23,235
baseline
▲ 0.50% · 4.625%
HK$24,649
+HK$1,414/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,470/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,324
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,976
−HK$662/mo
Today · 4.125%
HK$25,638
baseline
▲ 0.50% · 4.625%
HK$26,989
+HK$1,351/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,276/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,111
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,986
−HK$888/mo
Today · 4.125%
HK$29,874
baseline
▲ 0.50% · 4.625%
HK$31,692
+HK$1,818/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,748/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,274
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,112
−HK$851/mo
Today · 4.125%
HK$32,963
baseline
▲ 0.50% · 4.625%
HK$34,701
+HK$1,738/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,926/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,469 · 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).