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$15,557
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,041
−HK$491/mo
Today · 4.125%
HK$16,532
baseline
▲ 0.50% · 4.625%
HK$17,538
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,064/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,307
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,771
−HK$471/mo
Today · 4.125%
HK$18,242
baseline
▲ 0.50% · 4.625%
HK$19,203
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,484/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,668
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,249
−HK$590/mo
Today · 4.125%
HK$19,839
baseline
▲ 0.50% · 4.625%
HK$21,046
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,678/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,768
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,325
−HK$565/mo
Today · 4.125%
HK$21,890
baseline
▲ 0.50% · 4.625%
HK$23,044
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,780/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,779
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,457
−HK$688/mo
Today · 4.125%
HK$23,145
baseline
▲ 0.50% · 4.625%
HK$24,554
+HK$1,409/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,290/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,229
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,879
−HK$659/mo
Today · 4.125%
HK$25,538
baseline
▲ 0.50% · 4.625%
HK$26,885
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,076/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,002
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,873
−HK$885/mo
Today · 4.125%
HK$29,758
baseline
▲ 0.50% · 4.625%
HK$31,569
+HK$1,811/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,516/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,152
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,988
−HK$847/mo
Today · 4.125%
HK$32,835
baseline
▲ 0.50% · 4.625%
HK$34,566
+HK$1,731/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,670/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,671 · 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).