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$15,539
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,022
−HK$491/mo
Today · 4.125%
HK$16,513
baseline
▲ 0.50% · 4.625%
HK$17,518
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,026/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,287
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,750
−HK$471/mo
Today · 4.125%
HK$18,221
baseline
▲ 0.50% · 4.625%
HK$19,181
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,442/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,647
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,227
−HK$589/mo
Today · 4.125%
HK$19,816
baseline
▲ 0.50% · 4.625%
HK$21,022
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,632/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,744
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,300
−HK$565/mo
Today · 4.125%
HK$21,865
baseline
▲ 0.50% · 4.625%
HK$23,017
+HK$1,152/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,730/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,754
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,431
−HK$688/mo
Today · 4.125%
HK$23,119
baseline
▲ 0.50% · 4.625%
HK$24,525
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,238/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,201
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,851
−HK$658/mo
Today · 4.125%
HK$25,509
baseline
▲ 0.50% · 4.625%
HK$26,854
+HK$1,345/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,018/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,970
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,840
−HK$884/mo
Today · 4.125%
HK$29,724
baseline
▲ 0.50% · 4.625%
HK$31,532
+HK$1,808/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,448/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,116
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,951
−HK$846/mo
Today · 4.125%
HK$32,797
baseline
▲ 0.50% · 4.625%
HK$34,526
+HK$1,729/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,594/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,436 · 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).