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$15,554
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,038
−HK$491/mo
Today · 4.125%
HK$16,529
baseline
▲ 0.50% · 4.625%
HK$17,535
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,058/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,303
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,767
−HK$471/mo
Today · 4.125%
HK$18,238
baseline
▲ 0.50% · 4.625%
HK$19,200
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,476/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,664
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,245
−HK$590/mo
Today · 4.125%
HK$19,835
baseline
▲ 0.50% · 4.625%
HK$21,042
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,670/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,764
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,321
−HK$565/mo
Today · 4.125%
HK$21,886
baseline
▲ 0.50% · 4.625%
HK$23,040
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,772/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,775
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,453
−HK$688/mo
Today · 4.125%
HK$23,141
baseline
▲ 0.50% · 4.625%
HK$24,549
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,282/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,225
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,874
−HK$660/mo
Today · 4.125%
HK$25,534
baseline
▲ 0.50% · 4.625%
HK$26,879
+HK$1,345/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,068/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,997
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,868
−HK$884/mo
Today · 4.125%
HK$29,752
baseline
▲ 0.50% · 4.625%
HK$31,563
+HK$1,811/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,504/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,146
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,981
−HK$848/mo
Today · 4.125%
HK$32,829
baseline
▲ 0.50% · 4.625%
HK$34,559
+HK$1,730/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,658/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,632 · 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).