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$15,569
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,054
−HK$492/mo
Today · 4.125%
HK$16,546
baseline
▲ 0.50% · 4.625%
HK$17,553
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,092/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,321
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,785
−HK$472/mo
Today · 4.125%
HK$18,257
baseline
▲ 0.50% · 4.625%
HK$19,219
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,514/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,683
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,264
−HK$591/mo
Today · 4.125%
HK$19,855
baseline
▲ 0.50% · 4.625%
HK$21,063
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,710/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,785
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,342
−HK$566/mo
Today · 4.125%
HK$21,908
baseline
▲ 0.50% · 4.625%
HK$23,063
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,816/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,797
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,475
−HK$689/mo
Today · 4.125%
HK$23,164
baseline
▲ 0.50% · 4.625%
HK$24,574
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,328/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,249
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,900
−HK$659/mo
Today · 4.125%
HK$25,559
baseline
▲ 0.50% · 4.625%
HK$26,907
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,118/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,025
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$885/mo
Today · 4.125%
HK$29,782
baseline
▲ 0.50% · 4.625%
HK$31,595
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,564/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,177
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,014
−HK$848/mo
Today · 4.125%
HK$32,862
baseline
▲ 0.50% · 4.625%
HK$34,594
+HK$1,732/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,724/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,838 · 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).