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$15,542
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,026
−HK$491/mo
Today · 4.125%
HK$16,517
baseline
▲ 0.50% · 4.625%
HK$17,522
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,034/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,291
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,754
−HK$471/mo
Today · 4.125%
HK$18,225
baseline
▲ 0.50% · 4.625%
HK$19,186
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,450/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,651
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,231
−HK$589/mo
Today · 4.125%
HK$19,820
baseline
▲ 0.50% · 4.625%
HK$21,026
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,640/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,749
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,305
−HK$565/mo
Today · 4.125%
HK$21,870
baseline
▲ 0.50% · 4.625%
HK$23,023
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,740/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,759
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,436
−HK$688/mo
Today · 4.125%
HK$23,124
baseline
▲ 0.50% · 4.625%
HK$24,531
+HK$1,407/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,248/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,207
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,856
−HK$659/mo
Today · 4.125%
HK$25,515
baseline
▲ 0.50% · 4.625%
HK$26,860
+HK$1,345/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,030/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,976
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,846
−HK$885/mo
Today · 4.125%
HK$29,731
baseline
▲ 0.50% · 4.625%
HK$31,540
+HK$1,809/mo
Deposit HK$682K · loan HK$6.13M · min. income ≈ HK$59,462/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,123
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,958
−HK$847/mo
Today · 4.125%
HK$32,805
baseline
▲ 0.50% · 4.625%
HK$34,534
+HK$1,729/mo
Deposit HK$682K · loan HK$6.13M · min. income ≈ HK$65,610/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,482 · 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).