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$15,535
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,018
−HK$491/mo
Today · 4.125%
HK$16,509
baseline
▲ 0.50% · 4.625%
HK$17,513
+HK$1,004/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,018/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,282
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,746
−HK$470/mo
Today · 4.125%
HK$18,216
baseline
▲ 0.50% · 4.625%
HK$19,176
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,432/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,642
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,221
−HK$590/mo
Today · 4.125%
HK$19,811
baseline
▲ 0.50% · 4.625%
HK$21,016
+HK$1,205/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,622/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,739
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,295
−HK$564/mo
Today · 4.125%
HK$21,859
baseline
▲ 0.50% · 4.625%
HK$23,011
+HK$1,152/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,718/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,748
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,425
−HK$687/mo
Today · 4.125%
HK$23,112
baseline
▲ 0.50% · 4.625%
HK$24,519
+HK$1,407/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$204,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,195
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,844
−HK$658/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$204,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,962
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,832
−HK$884/mo
Today · 4.125%
HK$29,716
baseline
▲ 0.50% · 4.625%
HK$31,524
+HK$1,808/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,432/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,108
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,942
−HK$846/mo
Today · 4.125%
HK$32,788
baseline
▲ 0.50% · 4.625%
HK$34,517
+HK$1,729/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$204,381 · 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).