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$15,541
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,024
−HK$491/mo
Today · 4.125%
HK$16,515
baseline
▲ 0.50% · 4.625%
HK$17,520
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,030/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,289
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,753
−HK$470/mo
Today · 4.125%
HK$18,223
baseline
▲ 0.50% · 4.625%
HK$19,184
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,446/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,649
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,229
−HK$589/mo
Today · 4.125%
HK$19,818
baseline
▲ 0.50% · 4.625%
HK$21,024
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,636/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,747
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,303
−HK$565/mo
Today · 4.125%
HK$21,868
baseline
▲ 0.50% · 4.625%
HK$23,020
+HK$1,152/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,736/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,757
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,434
−HK$688/mo
Today · 4.125%
HK$23,122
baseline
▲ 0.50% · 4.625%
HK$24,528
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,244/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,205
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,854
−HK$658/mo
Today · 4.125%
HK$25,512
baseline
▲ 0.50% · 4.625%
HK$26,857
+HK$1,345/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,024/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,973
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,844
−HK$884/mo
Today · 4.125%
HK$29,728
baseline
▲ 0.50% · 4.625%
HK$31,537
+HK$1,809/mo
Deposit HK$682K · loan HK$6.13M · min. income ≈ HK$59,456/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,120
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,955
−HK$847/mo
Today · 4.125%
HK$32,802
baseline
▲ 0.50% · 4.625%
HK$34,531
+HK$1,729/mo
Deposit HK$682K · loan HK$6.13M · min. income ≈ HK$65,604/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,462 · 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).