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$15,544
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,028
−HK$491/mo
Today · 4.125%
HK$16,519
baseline
▲ 0.50% · 4.625%
HK$17,524
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,038/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,293
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,756
−HK$471/mo
Today · 4.125%
HK$18,227
baseline
▲ 0.50% · 4.625%
HK$19,188
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,454/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,653
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,233
−HK$590/mo
Today · 4.125%
HK$19,823
baseline
▲ 0.50% · 4.625%
HK$21,029
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,646/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,751
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,308
−HK$564/mo
Today · 4.125%
HK$21,872
baseline
▲ 0.50% · 4.625%
HK$23,025
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,744/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,762
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,439
−HK$687/mo
Today · 4.125%
HK$23,126
baseline
▲ 0.50% · 4.625%
HK$24,534
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,252/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,210
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,859
−HK$659/mo
Today · 4.125%
HK$25,518
baseline
▲ 0.50% · 4.625%
HK$26,863
+HK$1,345/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,036/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,979
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,850
−HK$884/mo
Today · 4.125%
HK$29,734
baseline
▲ 0.50% · 4.625%
HK$31,543
+HK$1,809/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,468/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,127
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,962
−HK$846/mo
Today · 4.125%
HK$32,808
baseline
▲ 0.50% · 4.625%
HK$34,538
+HK$1,730/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,616/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,505 · 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).