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$15,572
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,057
−HK$492/mo
Today · 4.125%
HK$16,549
baseline
▲ 0.50% · 4.625%
HK$17,556
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,098/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,324
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,789
−HK$471/mo
Today · 4.125%
HK$18,260
baseline
▲ 0.50% · 4.625%
HK$19,223
+HK$963/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,520/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,687
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,268
−HK$591/mo
Today · 4.125%
HK$19,859
baseline
▲ 0.50% · 4.625%
HK$21,067
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,718/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,789
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,346
−HK$566/mo
Today · 4.125%
HK$21,912
baseline
▲ 0.50% · 4.625%
HK$23,067
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,824/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,801
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,479
−HK$689/mo
Today · 4.125%
HK$23,168
baseline
▲ 0.50% · 4.625%
HK$24,578
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,336/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,254
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,904
−HK$660/mo
Today · 4.125%
HK$25,564
baseline
▲ 0.50% · 4.625%
HK$26,912
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,128/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,030
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,902
−HK$886/mo
Today · 4.125%
HK$29,788
baseline
▲ 0.50% · 4.625%
HK$31,600
+HK$1,812/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,576/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,183
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,020
−HK$848/mo
Today · 4.125%
HK$32,868
baseline
▲ 0.50% · 4.625%
HK$34,601
+HK$1,733/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,736/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,876 · 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).