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$974/mo
▼ 0.25% · 3.875%
HK$16,025
−HK$491/mo
Today · 4.125%
HK$16,516
baseline
▲ 0.50% · 4.625%
HK$17,521
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,032/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,290
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,754
−HK$470/mo
Today · 4.125%
HK$18,224
baseline
▲ 0.50% · 4.625%
HK$19,185
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,448/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,650
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,230
−HK$590/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$204,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,748
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,305
−HK$564/mo
Today · 4.125%
HK$21,869
baseline
▲ 0.50% · 4.625%
HK$23,022
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,738/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,758
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,435
−HK$688/mo
Today · 4.125%
HK$23,123
baseline
▲ 0.50% · 4.625%
HK$24,530
+HK$1,407/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,246/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,206
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,855
−HK$659/mo
Today · 4.125%
HK$25,514
baseline
▲ 0.50% · 4.625%
HK$26,859
+HK$1,345/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,028/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,975
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,845
−HK$885/mo
Today · 4.125%
HK$29,730
baseline
▲ 0.50% · 4.625%
HK$31,538
+HK$1,808/mo
Deposit HK$682K · loan HK$6.13M · min. income ≈ HK$59,460/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,122
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,957
−HK$847/mo
Today · 4.125%
HK$32,804
baseline
▲ 0.50% · 4.625%
HK$34,533
+HK$1,729/mo
Deposit HK$682K · loan HK$6.13M · min. income ≈ HK$65,608/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,475 · 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).