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$15,599
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,084
−HK$493/mo
Today · 4.125%
HK$16,577
baseline
▲ 0.50% · 4.625%
HK$17,586
+HK$1,009/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,154/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,354
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,819
−HK$473/mo
Today · 4.125%
HK$18,292
baseline
▲ 0.50% · 4.625%
HK$19,256
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,584/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,719
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,301
−HK$592/mo
Today · 4.125%
HK$19,893
baseline
▲ 0.50% · 4.625%
HK$21,103
+HK$1,210/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$39,786/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,825
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,383
−HK$567/mo
Today · 4.125%
HK$21,950
baseline
▲ 0.50% · 4.625%
HK$23,107
+HK$1,157/mo
Deposit HK$2.74M · loan HK$4.10M · min. income ≈ HK$43,900/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,839
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,518
−HK$690/mo
Today · 4.125%
HK$23,208
baseline
▲ 0.50% · 4.625%
HK$24,621
+HK$1,413/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,416/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,295
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,947
−HK$661/mo
Today · 4.125%
HK$25,608
baseline
▲ 0.50% · 4.625%
HK$26,958
+HK$1,350/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,216/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,079
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,952
−HK$887/mo
Today · 4.125%
HK$29,839
baseline
▲ 0.50% · 4.625%
HK$31,655
+HK$1,816/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$59,678/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,237
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,075
−HK$850/mo
Today · 4.125%
HK$32,925
baseline
▲ 0.50% · 4.625%
HK$34,660
+HK$1,735/mo
Deposit HK$684K · loan HK$6.16M · min. income ≈ HK$65,850/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,230 · 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).