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$15,551
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,034
−HK$492/mo
Today · 4.125%
HK$16,526
baseline
▲ 0.50% · 4.625%
HK$17,531
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,052/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,300
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,764
−HK$470/mo
Today · 4.125%
HK$18,234
baseline
▲ 0.50% · 4.625%
HK$19,196
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,468/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,661
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,241
−HK$590/mo
Today · 4.125%
HK$19,831
baseline
▲ 0.50% · 4.625%
HK$21,038
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,662/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,760
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,317
−HK$564/mo
Today · 4.125%
HK$21,881
baseline
▲ 0.50% · 4.625%
HK$23,035
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,762/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,771
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,448
−HK$688/mo
Today · 4.125%
HK$23,136
baseline
▲ 0.50% · 4.625%
HK$24,544
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,272/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,220
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,869
−HK$659/mo
Today · 4.125%
HK$25,528
baseline
▲ 0.50% · 4.625%
HK$26,874
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,056/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,991
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,862
−HK$884/mo
Today · 4.125%
HK$29,746
baseline
▲ 0.50% · 4.625%
HK$31,556
+HK$1,810/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,492/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,140
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,975
−HK$847/mo
Today · 4.125%
HK$32,822
baseline
▲ 0.50% · 4.625%
HK$34,552
+HK$1,730/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,644/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,590 · 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).