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$15,547
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,031
−HK$491/mo
Today · 4.125%
HK$16,522
baseline
▲ 0.50% · 4.625%
HK$17,527
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,044/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,296
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,760
−HK$470/mo
Today · 4.125%
HK$18,230
baseline
▲ 0.50% · 4.625%
HK$19,191
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,460/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,657
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,237
−HK$589/mo
Today · 4.125%
HK$19,826
baseline
▲ 0.50% · 4.625%
HK$21,033
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,652/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,755
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,312
−HK$565/mo
Today · 4.125%
HK$21,877
baseline
▲ 0.50% · 4.625%
HK$23,030
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,754/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,766
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,443
−HK$688/mo
Today · 4.125%
HK$23,131
baseline
▲ 0.50% · 4.625%
HK$24,538
+HK$1,407/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,262/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,214
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,864
−HK$659/mo
Today · 4.125%
HK$25,523
baseline
▲ 0.50% · 4.625%
HK$26,868
+HK$1,345/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,046/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,985
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,855
−HK$885/mo
Today · 4.125%
HK$29,740
baseline
▲ 0.50% · 4.625%
HK$31,549
+HK$1,809/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,480/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,133
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,968
−HK$847/mo
Today · 4.125%
HK$32,815
baseline
▲ 0.50% · 4.625%
HK$34,545
+HK$1,730/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,630/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,545 · 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).