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$15,563
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,047
−HK$491/mo
Today · 4.125%
HK$16,538
baseline
▲ 0.50% · 4.625%
HK$17,545
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,076/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,313
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,778
−HK$471/mo
Today · 4.125%
HK$18,249
baseline
▲ 0.50% · 4.625%
HK$19,211
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,498/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,675
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,256
−HK$590/mo
Today · 4.125%
HK$19,846
baseline
▲ 0.50% · 4.625%
HK$21,054
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,692/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,776
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,333
−HK$565/mo
Today · 4.125%
HK$21,898
baseline
▲ 0.50% · 4.625%
HK$23,053
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,796/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,788
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,465
−HK$689/mo
Today · 4.125%
HK$23,154
baseline
▲ 0.50% · 4.625%
HK$24,563
+HK$1,409/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,308/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,238
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,889
−HK$659/mo
Today · 4.125%
HK$25,548
baseline
▲ 0.50% · 4.625%
HK$26,895
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,096/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,013
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,884
−HK$885/mo
Today · 4.125%
HK$29,769
baseline
▲ 0.50% · 4.625%
HK$31,581
+HK$1,812/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,538/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,164
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$32,000
−HK$847/mo
Today · 4.125%
HK$32,847
baseline
▲ 0.50% · 4.625%
HK$34,579
+HK$1,732/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,694/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,748 · 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).