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$15,532
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,016
−HK$490/mo
Today · 4.125%
HK$16,506
baseline
▲ 0.50% · 4.625%
HK$17,511
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,012/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,280
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,743
−HK$470/mo
Today · 4.125%
HK$18,213
baseline
▲ 0.50% · 4.625%
HK$19,173
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,426/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,639
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,219
−HK$589/mo
Today · 4.125%
HK$19,808
baseline
▲ 0.50% · 4.625%
HK$21,013
+HK$1,205/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$39,616/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,736
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,292
−HK$564/mo
Today · 4.125%
HK$21,856
baseline
▲ 0.50% · 4.625%
HK$23,008
+HK$1,152/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$43,712/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,745
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,422
−HK$687/mo
Today · 4.125%
HK$23,109
baseline
▲ 0.50% · 4.625%
HK$24,515
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,218/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,192
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,840
−HK$659/mo
Today · 4.125%
HK$25,499
baseline
▲ 0.50% · 4.625%
HK$26,843
+HK$1,344/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$50,998/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,958
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,828
−HK$884/mo
Today · 4.125%
HK$29,712
baseline
▲ 0.50% · 4.625%
HK$31,519
+HK$1,807/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,424/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,103
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,938
−HK$846/mo
Today · 4.125%
HK$32,784
baseline
▲ 0.50% · 4.625%
HK$34,512
+HK$1,728/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,568/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,352 · 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).