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$15,553
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,036
−HK$492/mo
Today · 4.125%
HK$16,528
baseline
▲ 0.50% · 4.625%
HK$17,534
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,056/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,302
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,766
−HK$471/mo
Today · 4.125%
HK$18,237
baseline
▲ 0.50% · 4.625%
HK$19,198
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,474/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,663
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,244
−HK$589/mo
Today · 4.125%
HK$19,833
baseline
▲ 0.50% · 4.625%
HK$21,040
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,666/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,763
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,319
−HK$565/mo
Today · 4.125%
HK$21,884
baseline
▲ 0.50% · 4.625%
HK$23,038
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,768/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,774
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,451
−HK$688/mo
Today · 4.125%
HK$23,139
baseline
▲ 0.50% · 4.625%
HK$24,547
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,278/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,223
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,873
−HK$659/mo
Today · 4.125%
HK$25,532
baseline
▲ 0.50% · 4.625%
HK$26,877
+HK$1,345/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,064/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,995
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,865
−HK$885/mo
Today · 4.125%
HK$29,750
baseline
▲ 0.50% · 4.625%
HK$31,560
+HK$1,810/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,500/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,144
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,979
−HK$847/mo
Today · 4.125%
HK$32,826
baseline
▲ 0.50% · 4.625%
HK$34,557
+HK$1,731/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,652/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,617 · 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).