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$15,566
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,050
−HK$492/mo
Today · 4.125%
HK$16,542
baseline
▲ 0.50% · 4.625%
HK$17,548
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,084/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,317
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,781
−HK$471/mo
Today · 4.125%
HK$18,252
baseline
▲ 0.50% · 4.625%
HK$19,214
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,504/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,679
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,260
−HK$590/mo
Today · 4.125%
HK$19,850
baseline
▲ 0.50% · 4.625%
HK$21,058
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,700/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,780
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,337
−HK$566/mo
Today · 4.125%
HK$21,903
baseline
▲ 0.50% · 4.625%
HK$23,057
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,806/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,792
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,470
−HK$688/mo
Today · 4.125%
HK$23,158
baseline
▲ 0.50% · 4.625%
HK$24,568
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,316/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,243
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,893
−HK$660/mo
Today · 4.125%
HK$25,553
baseline
▲ 0.50% · 4.625%
HK$26,900
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,106/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,018
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,890
−HK$885/mo
Today · 4.125%
HK$29,775
baseline
▲ 0.50% · 4.625%
HK$31,587
+HK$1,812/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$59,550/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,170
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,006
−HK$848/mo
Today · 4.125%
HK$32,854
baseline
▲ 0.50% · 4.625%
HK$34,586
+HK$1,732/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$65,708/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,788 · 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).