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$15,558
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,042
−HK$492/mo
Today · 4.125%
HK$16,534
baseline
▲ 0.50% · 4.625%
HK$17,540
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,068/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,309
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,773
−HK$471/mo
Today · 4.125%
HK$18,244
baseline
▲ 0.50% · 4.625%
HK$19,205
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,488/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,670
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,251
−HK$590/mo
Today · 4.125%
HK$19,841
baseline
▲ 0.50% · 4.625%
HK$21,048
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,682/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,770
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,327
−HK$565/mo
Today · 4.125%
HK$21,892
baseline
▲ 0.50% · 4.625%
HK$23,046
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,784/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,782
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,459
−HK$689/mo
Today · 4.125%
HK$23,148
baseline
▲ 0.50% · 4.625%
HK$24,556
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,296/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,232
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,882
−HK$659/mo
Today · 4.125%
HK$25,541
baseline
▲ 0.50% · 4.625%
HK$26,887
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,082/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,005
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,876
−HK$885/mo
Today · 4.125%
HK$29,761
baseline
▲ 0.50% · 4.625%
HK$31,572
+HK$1,811/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,522/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,155
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,991
−HK$848/mo
Today · 4.125%
HK$32,839
baseline
▲ 0.50% · 4.625%
HK$34,570
+HK$1,731/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,678/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,693 · 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).