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$15,591
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,076
−HK$492/mo
Today · 4.125%
HK$16,568
baseline
▲ 0.50% · 4.625%
HK$17,576
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,136/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,344
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,810
−HK$472/mo
Today · 4.125%
HK$18,282
baseline
▲ 0.50% · 4.625%
HK$19,245
+HK$963/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,564/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,709
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,291
−HK$591/mo
Today · 4.125%
HK$19,882
baseline
▲ 0.50% · 4.625%
HK$21,092
+HK$1,210/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,764/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,813
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,372
−HK$566/mo
Today · 4.125%
HK$21,938
baseline
▲ 0.50% · 4.625%
HK$23,094
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,876/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,827
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,506
−HK$690/mo
Today · 4.125%
HK$23,196
baseline
▲ 0.50% · 4.625%
HK$24,607
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,392/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,282
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,934
−HK$660/mo
Today · 4.125%
HK$25,594
baseline
▲ 0.50% · 4.625%
HK$26,943
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,188/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,063
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,936
−HK$887/mo
Today · 4.125%
HK$29,823
baseline
▲ 0.50% · 4.625%
HK$31,638
+HK$1,815/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$59,646/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,220
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,057
−HK$850/mo
Today · 4.125%
HK$32,907
baseline
▲ 0.50% · 4.625%
HK$34,641
+HK$1,734/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$65,814/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,118 · 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).