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$204,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,307
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,771
−HK$471/mo
Today · 4.125%
HK$18,242
baseline
▲ 0.50% · 4.625%
HK$19,204
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,484/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,668
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,249
−HK$590/mo
Today · 4.125%
HK$19,839
baseline
▲ 0.50% · 4.625%
HK$21,046
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,678/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,768
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,325
−HK$566/mo
Today · 4.125%
HK$21,891
baseline
▲ 0.50% · 4.625%
HK$23,044
+HK$1,153/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$204,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,780
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,457
−HK$689/mo
Today · 4.125%
HK$23,146
baseline
▲ 0.50% · 4.625%
HK$24,554
+HK$1,408/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$204,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,230
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,880
−HK$659/mo
Today · 4.125%
HK$25,539
baseline
▲ 0.50% · 4.625%
HK$26,885
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,078/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,675 · 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$31,569
+HK$1,810/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$204,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,153
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,988
−HK$848/mo
Today · 4.125%
HK$32,836
baseline
▲ 0.50% · 4.625%
HK$34,567
+HK$1,731/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,672/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,675 · 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).