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$15,545
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,029
−HK$491/mo
Today · 4.125%
HK$16,520
baseline
▲ 0.50% · 4.625%
HK$17,525
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,040/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,294
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,758
−HK$470/mo
Today · 4.125%
HK$18,228
baseline
▲ 0.50% · 4.625%
HK$19,189
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,456/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,654
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,234
−HK$590/mo
Today · 4.125%
HK$19,824
baseline
▲ 0.50% · 4.625%
HK$21,030
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,648/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,753
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,309
−HK$565/mo
Today · 4.125%
HK$21,874
baseline
▲ 0.50% · 4.625%
HK$23,027
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,748/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,763
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,440
−HK$688/mo
Today · 4.125%
HK$23,128
baseline
▲ 0.50% · 4.625%
HK$24,535
+HK$1,407/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,256/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,211
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,861
−HK$658/mo
Today · 4.125%
HK$25,519
baseline
▲ 0.50% · 4.625%
HK$26,865
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,038/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,981
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,852
−HK$884/mo
Today · 4.125%
HK$29,736
baseline
▲ 0.50% · 4.625%
HK$31,545
+HK$1,809/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,472/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,129
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,964
−HK$847/mo
Today · 4.125%
HK$32,811
baseline
▲ 0.50% · 4.625%
HK$34,540
+HK$1,729/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,622/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,519 · 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).