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$15,557
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,041
−HK$492/mo
Today · 4.125%
HK$16,533
baseline
▲ 0.50% · 4.625%
HK$17,539
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,066/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,307
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,772
−HK$471/mo
Today · 4.125%
HK$18,243
baseline
▲ 0.50% · 4.625%
HK$19,204
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,486/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,669
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,250
−HK$590/mo
Today · 4.125%
HK$19,840
baseline
▲ 0.50% · 4.625%
HK$21,047
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,680/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,769
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,326
−HK$565/mo
Today · 4.125%
HK$21,891
baseline
▲ 0.50% · 4.625%
HK$23,045
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,782/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,780
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,458
−HK$688/mo
Today · 4.125%
HK$23,146
baseline
▲ 0.50% · 4.625%
HK$24,555
+HK$1,409/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,292/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,230
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,880
−HK$660/mo
Today · 4.125%
HK$25,540
baseline
▲ 0.50% · 4.625%
HK$26,886
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,080/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,003
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,874
−HK$885/mo
Today · 4.125%
HK$29,759
baseline
▲ 0.50% · 4.625%
HK$31,570
+HK$1,811/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,518/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,153
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,989
−HK$848/mo
Today · 4.125%
HK$32,837
baseline
▲ 0.50% · 4.625%
HK$34,567
+HK$1,730/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,674/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,681 · 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).