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$15,560
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,044
−HK$492/mo
Today · 4.125%
HK$16,536
baseline
▲ 0.50% · 4.625%
HK$17,542
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,072/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,311
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,775
−HK$471/mo
Today · 4.125%
HK$18,246
baseline
▲ 0.50% · 4.625%
HK$19,208
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,492/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,672
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,253
−HK$590/mo
Today · 4.125%
HK$19,843
baseline
▲ 0.50% · 4.625%
HK$21,051
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,686/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,773
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,330
−HK$565/mo
Today · 4.125%
HK$21,895
baseline
▲ 0.50% · 4.625%
HK$23,049
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,790/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,784
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,462
−HK$689/mo
Today · 4.125%
HK$23,151
baseline
▲ 0.50% · 4.625%
HK$24,559
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,302/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,235
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,885
−HK$659/mo
Today · 4.125%
HK$25,544
baseline
▲ 0.50% · 4.625%
HK$26,891
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,088/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,009
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,880
−HK$885/mo
Today · 4.125%
HK$29,765
baseline
▲ 0.50% · 4.625%
HK$31,576
+HK$1,811/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,530/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,159
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,995
−HK$848/mo
Today · 4.125%
HK$32,843
baseline
▲ 0.50% · 4.625%
HK$34,574
+HK$1,731/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,686/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,719 · 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).