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$15,529
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,012
−HK$491/mo
Today · 4.125%
HK$16,503
baseline
▲ 0.50% · 4.625%
HK$17,507
+HK$1,004/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,006/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,276
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,739
−HK$470/mo
Today · 4.125%
HK$18,209
baseline
▲ 0.50% · 4.625%
HK$19,169
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,418/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,635
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,214
−HK$589/mo
Today · 4.125%
HK$19,803
baseline
▲ 0.50% · 4.625%
HK$21,008
+HK$1,205/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$39,606/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,731
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,287
−HK$564/mo
Today · 4.125%
HK$21,851
baseline
▲ 0.50% · 4.625%
HK$23,003
+HK$1,152/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$43,702/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,740
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,417
−HK$687/mo
Today · 4.125%
HK$23,104
baseline
▲ 0.50% · 4.625%
HK$24,509
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,208/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,186
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,835
−HK$658/mo
Today · 4.125%
HK$25,493
baseline
▲ 0.50% · 4.625%
HK$26,836
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$50,986/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,952
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,821
−HK$884/mo
Today · 4.125%
HK$29,705
baseline
▲ 0.50% · 4.625%
HK$31,512
+HK$1,807/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,410/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,096
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,930
−HK$846/mo
Today · 4.125%
HK$32,776
baseline
▲ 0.50% · 4.625%
HK$34,504
+HK$1,728/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,552/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,304 · 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).