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$15,556
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,040
−HK$492/mo
Today · 4.125%
HK$16,532
baseline
▲ 0.50% · 4.625%
HK$17,538
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,064/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,306
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,771
−HK$470/mo
Today · 4.125%
HK$18,241
baseline
▲ 0.50% · 4.625%
HK$19,203
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,482/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,668
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,248
−HK$590/mo
Today · 4.125%
HK$19,838
baseline
▲ 0.50% · 4.625%
HK$21,045
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,676/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,768
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,325
−HK$565/mo
Today · 4.125%
HK$21,890
baseline
▲ 0.50% · 4.625%
HK$23,043
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,780/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,779
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,456
−HK$689/mo
Today · 4.125%
HK$23,145
baseline
▲ 0.50% · 4.625%
HK$24,553
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,290/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,229
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,879
−HK$659/mo
Today · 4.125%
HK$25,538
baseline
▲ 0.50% · 4.625%
HK$26,884
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,076/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,002
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,873
−HK$885/mo
Today · 4.125%
HK$29,758
baseline
▲ 0.50% · 4.625%
HK$31,568
+HK$1,810/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,516/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,151
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,987
−HK$847/mo
Today · 4.125%
HK$32,834
baseline
▲ 0.50% · 4.625%
HK$34,565
+HK$1,731/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,668/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,667 · 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).