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$15,545
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,028
−HK$491/mo
Today · 4.125%
HK$16,519
baseline
▲ 0.50% · 4.625%
HK$17,525
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,038/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,293
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,757
−HK$471/mo
Today · 4.125%
HK$18,228
baseline
▲ 0.50% · 4.625%
HK$19,188
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,456/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,654
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,234
−HK$589/mo
Today · 4.125%
HK$19,823
baseline
▲ 0.50% · 4.625%
HK$21,030
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,646/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,752
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,309
−HK$564/mo
Today · 4.125%
HK$21,873
baseline
▲ 0.50% · 4.625%
HK$23,026
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,746/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,763
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,440
−HK$687/mo
Today · 4.125%
HK$23,127
baseline
▲ 0.50% · 4.625%
HK$24,535
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,254/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,211
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,860
−HK$659/mo
Today · 4.125%
HK$25,519
baseline
▲ 0.50% · 4.625%
HK$26,864
+HK$1,345/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,038/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,980
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,851
−HK$884/mo
Today · 4.125%
HK$29,735
baseline
▲ 0.50% · 4.625%
HK$31,544
+HK$1,809/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,470/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,128
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,963
−HK$847/mo
Today · 4.125%
HK$32,810
baseline
▲ 0.50% · 4.625%
HK$34,539
+HK$1,729/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,620/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,513 · 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).