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$15,570
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,054
−HK$492/mo
Today · 4.125%
HK$16,546
baseline
▲ 0.50% · 4.625%
HK$17,553
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,092/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,322
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,786
−HK$471/mo
Today · 4.125%
HK$18,257
baseline
▲ 0.50% · 4.625%
HK$19,220
+HK$963/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,514/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,684
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,265
−HK$591/mo
Today · 4.125%
HK$19,856
baseline
▲ 0.50% · 4.625%
HK$21,064
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,712/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,786
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,343
−HK$566/mo
Today · 4.125%
HK$21,909
baseline
▲ 0.50% · 4.625%
HK$23,064
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,818/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,798
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,476
−HK$689/mo
Today · 4.125%
HK$23,165
baseline
▲ 0.50% · 4.625%
HK$24,575
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,330/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,250
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,900
−HK$660/mo
Today · 4.125%
HK$25,560
baseline
▲ 0.50% · 4.625%
HK$26,908
+HK$1,348/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,120/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,026
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,898
−HK$886/mo
Today · 4.125%
HK$29,784
baseline
▲ 0.50% · 4.625%
HK$31,596
+HK$1,812/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,568/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,179
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,015
−HK$848/mo
Today · 4.125%
HK$32,863
baseline
▲ 0.50% · 4.625%
HK$34,595
+HK$1,732/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,726/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,846 · 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).