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$15,571
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,056
−HK$492/mo
Today · 4.125%
HK$16,548
baseline
▲ 0.50% · 4.625%
HK$17,555
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,096/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,323
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,787
−HK$472/mo
Today · 4.125%
HK$18,259
baseline
▲ 0.50% · 4.625%
HK$19,221
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,518/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,685
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$590/mo
Today · 4.125%
HK$19,857
baseline
▲ 0.50% · 4.625%
HK$21,065
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,714/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,787
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,345
−HK$565/mo
Today · 4.125%
HK$21,910
baseline
▲ 0.50% · 4.625%
HK$23,065
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,820/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,800
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,478
−HK$689/mo
Today · 4.125%
HK$23,167
baseline
▲ 0.50% · 4.625%
HK$24,576
+HK$1,409/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,334/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,252
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,902
−HK$660/mo
Today · 4.125%
HK$25,562
baseline
▲ 0.50% · 4.625%
HK$26,910
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,124/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,028
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,900
−HK$886/mo
Today · 4.125%
HK$29,786
baseline
▲ 0.50% · 4.625%
HK$31,598
+HK$1,812/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,572/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,181
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,017
−HK$849/mo
Today · 4.125%
HK$32,866
baseline
▲ 0.50% · 4.625%
HK$34,598
+HK$1,732/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,732/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,861 · 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).