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$15,549
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,033
−HK$492/mo
Today · 4.125%
HK$16,525
baseline
▲ 0.50% · 4.625%
HK$17,530
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,050/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,299
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,763
−HK$470/mo
Today · 4.125%
HK$18,233
baseline
▲ 0.50% · 4.625%
HK$19,194
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,466/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,659
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,240
−HK$589/mo
Today · 4.125%
HK$19,829
baseline
▲ 0.50% · 4.625%
HK$21,036
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,658/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,758
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,315
−HK$565/mo
Today · 4.125%
HK$21,880
baseline
▲ 0.50% · 4.625%
HK$23,033
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,760/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,769
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,446
−HK$688/mo
Today · 4.125%
HK$23,134
baseline
▲ 0.50% · 4.625%
HK$24,542
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,268/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,218
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,868
−HK$658/mo
Today · 4.125%
HK$25,526
baseline
▲ 0.50% · 4.625%
HK$26,872
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,052/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,989
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,860
−HK$884/mo
Today · 4.125%
HK$29,744
baseline
▲ 0.50% · 4.625%
HK$31,554
+HK$1,810/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,488/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,138
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,973
−HK$847/mo
Today · 4.125%
HK$32,820
baseline
▲ 0.50% · 4.625%
HK$34,550
+HK$1,730/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,640/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,576 · 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).