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$15,550
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,034
−HK$491/mo
Today · 4.125%
HK$16,525
baseline
▲ 0.50% · 4.625%
HK$17,531
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,050/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,299
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,763
−HK$471/mo
Today · 4.125%
HK$18,234
baseline
▲ 0.50% · 4.625%
HK$19,195
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,468/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,660
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,240
−HK$590/mo
Today · 4.125%
HK$19,830
baseline
▲ 0.50% · 4.625%
HK$21,037
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,660/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,759
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,316
−HK$565/mo
Today · 4.125%
HK$21,881
baseline
▲ 0.50% · 4.625%
HK$23,034
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,762/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,770
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,447
−HK$688/mo
Today · 4.125%
HK$23,135
baseline
▲ 0.50% · 4.625%
HK$24,543
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,270/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,219
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,868
−HK$659/mo
Today · 4.125%
HK$25,527
baseline
▲ 0.50% · 4.625%
HK$26,873
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,054/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,990
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,861
−HK$884/mo
Today · 4.125%
HK$29,745
baseline
▲ 0.50% · 4.625%
HK$31,555
+HK$1,810/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,490/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,139
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,974
−HK$847/mo
Today · 4.125%
HK$32,821
baseline
▲ 0.50% · 4.625%
HK$34,551
+HK$1,730/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,642/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,582 · 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).