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$15,593
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,078
−HK$493/mo
Today · 4.125%
HK$16,571
baseline
▲ 0.50% · 4.625%
HK$17,579
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,142/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,347
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,813
−HK$472/mo
Today · 4.125%
HK$18,285
baseline
▲ 0.50% · 4.625%
HK$19,248
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,570/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,712
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,294
−HK$591/mo
Today · 4.125%
HK$19,885
baseline
▲ 0.50% · 4.625%
HK$21,095
+HK$1,210/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,770/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,817
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,375
−HK$567/mo
Today · 4.125%
HK$21,942
baseline
▲ 0.50% · 4.625%
HK$23,098
+HK$1,156/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,884/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,831
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,510
−HK$690/mo
Today · 4.125%
HK$23,200
baseline
▲ 0.50% · 4.625%
HK$24,611
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,400/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,286
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,938
−HK$660/mo
Today · 4.125%
HK$25,598
baseline
▲ 0.50% · 4.625%
HK$26,948
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,196/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,068
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,941
−HK$887/mo
Today · 4.125%
HK$29,828
baseline
▲ 0.50% · 4.625%
HK$31,643
+HK$1,815/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$59,656/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,225
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,063
−HK$849/mo
Today · 4.125%
HK$32,912
baseline
▲ 0.50% · 4.625%
HK$34,647
+HK$1,735/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$65,824/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,153 · 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).