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$15,559
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,043
−HK$492/mo
Today · 4.125%
HK$16,535
baseline
▲ 0.50% · 4.625%
HK$17,541
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,070/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,310
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,774
−HK$471/mo
Today · 4.125%
HK$18,245
baseline
▲ 0.50% · 4.625%
HK$19,207
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,490/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,671
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,252
−HK$590/mo
Today · 4.125%
HK$19,842
baseline
▲ 0.50% · 4.625%
HK$21,050
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,684/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,772
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,329
−HK$565/mo
Today · 4.125%
HK$21,894
baseline
▲ 0.50% · 4.625%
HK$23,048
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,788/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,783
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,461
−HK$688/mo
Today · 4.125%
HK$23,149
baseline
▲ 0.50% · 4.625%
HK$24,558
+HK$1,409/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,298/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,234
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,884
−HK$659/mo
Today · 4.125%
HK$25,543
baseline
▲ 0.50% · 4.625%
HK$26,889
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,086/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,007
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,878
−HK$885/mo
Today · 4.125%
HK$29,763
baseline
▲ 0.50% · 4.625%
HK$31,574
+HK$1,811/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,526/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,158
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,993
−HK$848/mo
Today · 4.125%
HK$32,841
baseline
▲ 0.50% · 4.625%
HK$34,572
+HK$1,731/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,682/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,707 · 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).