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$15,534
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,017
−HK$491/mo
Today · 4.125%
HK$16,508
baseline
▲ 0.50% · 4.625%
HK$17,513
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,016/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,282
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,745
−HK$470/mo
Today · 4.125%
HK$18,215
baseline
▲ 0.50% · 4.625%
HK$19,176
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,430/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,641
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,221
−HK$589/mo
Today · 4.125%
HK$19,810
baseline
▲ 0.50% · 4.625%
HK$21,015
+HK$1,205/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,620/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,738
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,294
−HK$564/mo
Today · 4.125%
HK$21,858
baseline
▲ 0.50% · 4.625%
HK$23,011
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,716/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,748
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,424
−HK$688/mo
Today · 4.125%
HK$23,112
baseline
▲ 0.50% · 4.625%
HK$24,518
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,224/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,194
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,843
−HK$659/mo
Today · 4.125%
HK$25,502
baseline
▲ 0.50% · 4.625%
HK$26,846
+HK$1,344/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,004/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,962
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,831
−HK$884/mo
Today · 4.125%
HK$29,715
baseline
▲ 0.50% · 4.625%
HK$31,523
+HK$1,808/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,430/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,107
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,941
−HK$847/mo
Today · 4.125%
HK$32,788
baseline
▲ 0.50% · 4.625%
HK$34,516
+HK$1,728/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,576/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,376 · 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).