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$15,562
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,046
−HK$492/mo
Today · 4.125%
HK$16,538
baseline
▲ 0.50% · 4.625%
HK$17,544
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,076/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,312
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,776
−HK$472/mo
Today · 4.125%
HK$18,248
baseline
▲ 0.50% · 4.625%
HK$19,209
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,496/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,674
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,255
−HK$590/mo
Today · 4.125%
HK$19,845
baseline
▲ 0.50% · 4.625%
HK$21,053
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,690/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,775
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,332
−HK$565/mo
Today · 4.125%
HK$21,897
baseline
▲ 0.50% · 4.625%
HK$23,051
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,794/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,786
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,464
−HK$689/mo
Today · 4.125%
HK$23,153
baseline
▲ 0.50% · 4.625%
HK$24,561
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,306/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,237
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,887
−HK$660/mo
Today · 4.125%
HK$25,547
baseline
▲ 0.50% · 4.625%
HK$26,893
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,094/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,011
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,882
−HK$886/mo
Today · 4.125%
HK$29,768
baseline
▲ 0.50% · 4.625%
HK$31,579
+HK$1,811/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,536/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,162
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,998
−HK$848/mo
Today · 4.125%
HK$32,846
baseline
▲ 0.50% · 4.625%
HK$34,577
+HK$1,731/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,692/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,736 · 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).