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$15,540
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,023
−HK$492/mo
Today · 4.125%
HK$16,515
baseline
▲ 0.50% · 4.625%
HK$17,519
+HK$1,004/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,030/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,288
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,752
−HK$470/mo
Today · 4.125%
HK$18,222
baseline
▲ 0.50% · 4.625%
HK$19,183
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,444/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,648
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,228
−HK$589/mo
Today · 4.125%
HK$19,817
baseline
▲ 0.50% · 4.625%
HK$21,023
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,634/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,746
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,302
−HK$565/mo
Today · 4.125%
HK$21,867
baseline
▲ 0.50% · 4.625%
HK$23,019
+HK$1,152/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,734/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,756
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,433
−HK$687/mo
Today · 4.125%
HK$23,120
baseline
▲ 0.50% · 4.625%
HK$24,527
+HK$1,407/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,240/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,203
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,853
−HK$658/mo
Today · 4.125%
HK$25,511
baseline
▲ 0.50% · 4.625%
HK$26,856
+HK$1,345/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,022/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,972
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,842
−HK$884/mo
Today · 4.125%
HK$29,726
baseline
▲ 0.50% · 4.625%
HK$31,535
+HK$1,809/mo
Deposit HK$682K · loan HK$6.13M · min. income ≈ HK$59,452/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,119
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,953
−HK$847/mo
Today · 4.125%
HK$32,800
baseline
▲ 0.50% · 4.625%
HK$34,529
+HK$1,729/mo
Deposit HK$682K · loan HK$6.13M · min. income ≈ HK$65,600/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,452 · 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).