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$15,567
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,051
−HK$492/mo
Today · 4.125%
HK$16,543
baseline
▲ 0.50% · 4.625%
HK$17,550
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,086/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,318
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,783
−HK$471/mo
Today · 4.125%
HK$18,254
baseline
▲ 0.50% · 4.625%
HK$19,216
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,508/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,680
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,262
−HK$590/mo
Today · 4.125%
HK$19,852
baseline
▲ 0.50% · 4.625%
HK$21,060
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,704/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,782
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,339
−HK$566/mo
Today · 4.125%
HK$21,905
baseline
▲ 0.50% · 4.625%
HK$23,059
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,810/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,794
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,472
−HK$689/mo
Today · 4.125%
HK$23,161
baseline
▲ 0.50% · 4.625%
HK$24,570
+HK$1,409/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,322/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,245
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,896
−HK$659/mo
Today · 4.125%
HK$25,555
baseline
▲ 0.50% · 4.625%
HK$26,902
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,110/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,021
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,892
−HK$886/mo
Today · 4.125%
HK$29,778
baseline
▲ 0.50% · 4.625%
HK$31,590
+HK$1,812/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$59,556/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,173
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,009
−HK$848/mo
Today · 4.125%
HK$32,857
baseline
▲ 0.50% · 4.625%
HK$34,589
+HK$1,732/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$65,714/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,807 · 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).