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$16,024
−HK$491/mo
Today · 4.125%
HK$16,515
baseline
▲ 0.50% · 4.625%
HK$17,520
+HK$1,005/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$204,454 · 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$204,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,648
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,228
−HK$590/mo
Today · 4.125%
HK$19,818
baseline
▲ 0.50% · 4.625%
HK$21,024
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,636/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,454 · 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$23,020
+HK$1,153/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$204,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,756
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,433
−HK$688/mo
Today · 4.125%
HK$23,121
baseline
▲ 0.50% · 4.625%
HK$24,528
+HK$1,407/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,242/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,204
−HK$1,307/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$204,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,972
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,843
−HK$884/mo
Today · 4.125%
HK$29,727
baseline
▲ 0.50% · 4.625%
HK$31,535
+HK$1,808/mo
Deposit HK$682K · loan HK$6.13M · min. income ≈ HK$59,454/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,119
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,954
−HK$846/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$204,454 · 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).