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$15,562
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,046
−HK$492/mo
Today · 4.125%
HK$16,538
baseline
▲ 0.50% · 4.625%
HK$17,544
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,076/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,313
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,777
−HK$471/mo
Today · 4.125%
HK$18,248
baseline
▲ 0.50% · 4.625%
HK$19,210
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,496/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,675
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,255
−HK$591/mo
Today · 4.125%
HK$19,846
baseline
▲ 0.50% · 4.625%
HK$21,053
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,692/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,775
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,332
−HK$566/mo
Today · 4.125%
HK$21,898
baseline
▲ 0.50% · 4.625%
HK$23,052
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,796/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,787
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,465
−HK$688/mo
Today · 4.125%
HK$23,153
baseline
▲ 0.50% · 4.625%
HK$24,562
+HK$1,409/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,306/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,238
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,888
−HK$659/mo
Today · 4.125%
HK$25,547
baseline
▲ 0.50% · 4.625%
HK$26,894
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,094/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,012
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,883
−HK$885/mo
Today · 4.125%
HK$29,768
baseline
▲ 0.50% · 4.625%
HK$31,580
+HK$1,812/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,536/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,163
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,999
−HK$848/mo
Today · 4.125%
HK$32,847
baseline
▲ 0.50% · 4.625%
HK$34,578
+HK$1,731/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,694/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,742 · 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).