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$15,536
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,019
−HK$491/mo
Today · 4.125%
HK$16,510
baseline
▲ 0.50% · 4.625%
HK$17,514
+HK$1,004/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,020/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,283
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,747
−HK$470/mo
Today · 4.125%
HK$18,217
baseline
▲ 0.50% · 4.625%
HK$19,177
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,434/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,643
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,223
−HK$589/mo
Today · 4.125%
HK$19,812
baseline
▲ 0.50% · 4.625%
HK$21,017
+HK$1,205/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,624/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,740
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,296
−HK$564/mo
Today · 4.125%
HK$21,860
baseline
▲ 0.50% · 4.625%
HK$23,013
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,720/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,750
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,426
−HK$688/mo
Today · 4.125%
HK$23,114
baseline
▲ 0.50% · 4.625%
HK$24,520
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,228/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,196
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,845
−HK$659/mo
Today · 4.125%
HK$25,504
baseline
▲ 0.50% · 4.625%
HK$26,848
+HK$1,344/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,008/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,964
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,834
−HK$884/mo
Today · 4.125%
HK$29,718
baseline
▲ 0.50% · 4.625%
HK$31,526
+HK$1,808/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,436/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,110
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,944
−HK$846/mo
Today · 4.125%
HK$32,790
baseline
▲ 0.50% · 4.625%
HK$34,519
+HK$1,729/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,580/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,392 · 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).