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$15,543
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,026
−HK$491/mo
Today · 4.125%
HK$16,517
baseline
▲ 0.50% · 4.625%
HK$17,523
+HK$1,006/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$204,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,291
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,755
−HK$470/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$204,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,651
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,232
−HK$589/mo
Today · 4.125%
HK$19,821
baseline
▲ 0.50% · 4.625%
HK$21,027
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,642/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,749
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,306
−HK$565/mo
Today · 4.125%
HK$21,871
baseline
▲ 0.50% · 4.625%
HK$23,023
+HK$1,152/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,742/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,760
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,437
−HK$687/mo
Today · 4.125%
HK$23,124
baseline
▲ 0.50% · 4.625%
HK$24,532
+HK$1,408/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$204,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,208
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,857
−HK$659/mo
Today · 4.125%
HK$25,516
baseline
▲ 0.50% · 4.625%
HK$26,861
+HK$1,345/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,032/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,977
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,847
−HK$884/mo
Today · 4.125%
HK$29,731
baseline
▲ 0.50% · 4.625%
HK$31,541
+HK$1,810/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$204,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,124
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,959
−HK$847/mo
Today · 4.125%
HK$32,806
baseline
▲ 0.50% · 4.625%
HK$34,535
+HK$1,729/mo
Deposit HK$682K · loan HK$6.13M · min. income ≈ HK$65,612/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,488 · 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).