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$15,536
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,019
−HK$491/mo
Today · 4.125%
HK$16,510
baseline
▲ 0.50% · 4.625%
HK$17,515
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,020/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,284
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,747
−HK$470/mo
Today · 4.125%
HK$18,217
baseline
▲ 0.50% · 4.625%
HK$19,178
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,434/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,643
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,223
−HK$589/mo
Today · 4.125%
HK$19,812
baseline
▲ 0.50% · 4.625%
HK$21,018
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,624/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,740
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,296
−HK$565/mo
Today · 4.125%
HK$21,861
baseline
▲ 0.50% · 4.625%
HK$23,013
+HK$1,152/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,722/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,750
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,427
−HK$687/mo
Today · 4.125%
HK$23,114
baseline
▲ 0.50% · 4.625%
HK$24,521
+HK$1,407/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,228/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,197
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,846
−HK$658/mo
Today · 4.125%
HK$25,504
baseline
▲ 0.50% · 4.625%
HK$26,849
+HK$1,345/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,008/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,965
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,835
−HK$883/mo
Today · 4.125%
HK$29,718
baseline
▲ 0.50% · 4.625%
HK$31,527
+HK$1,809/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,436/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,110
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,945
−HK$846/mo
Today · 4.125%
HK$32,791
baseline
▲ 0.50% · 4.625%
HK$34,520
+HK$1,729/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,582/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,397 · 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).