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$15,575
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,060
−HK$492/mo
Today · 4.125%
HK$16,552
baseline
▲ 0.50% · 4.625%
HK$17,559
+HK$1,007/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,104/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,328
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,792
−HK$472/mo
Today · 4.125%
HK$18,264
baseline
▲ 0.50% · 4.625%
HK$19,226
+HK$962/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,528/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,691
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,272
−HK$591/mo
Today · 4.125%
HK$19,863
baseline
▲ 0.50% · 4.625%
HK$21,071
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,726/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,793
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,351
−HK$565/mo
Today · 4.125%
HK$21,916
baseline
▲ 0.50% · 4.625%
HK$23,072
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,832/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,806
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,484
−HK$689/mo
Today · 4.125%
HK$23,173
baseline
▲ 0.50% · 4.625%
HK$24,583
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,346/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,259
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,909
−HK$660/mo
Today · 4.125%
HK$25,569
baseline
▲ 0.50% · 4.625%
HK$26,917
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,138/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,036
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,908
−HK$886/mo
Today · 4.125%
HK$29,794
baseline
▲ 0.50% · 4.625%
HK$31,607
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,588/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,190
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,026
−HK$849/mo
Today · 4.125%
HK$32,875
baseline
▲ 0.50% · 4.625%
HK$34,608
+HK$1,733/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,750/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,918 · 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).