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$15,552
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,035
−HK$492/mo
Today · 4.125%
HK$16,527
baseline
▲ 0.50% · 4.625%
HK$17,532
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,054/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,301
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,765
−HK$471/mo
Today · 4.125%
HK$18,236
baseline
▲ 0.50% · 4.625%
HK$19,197
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,472/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,662
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,242
−HK$590/mo
Today · 4.125%
HK$19,832
baseline
▲ 0.50% · 4.625%
HK$21,039
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,664/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,761
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,318
−HK$565/mo
Today · 4.125%
HK$21,883
baseline
▲ 0.50% · 4.625%
HK$23,036
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,766/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,772
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,449
−HK$689/mo
Today · 4.125%
HK$23,138
baseline
▲ 0.50% · 4.625%
HK$24,545
+HK$1,407/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,276/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,221
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,871
−HK$659/mo
Today · 4.125%
HK$25,530
baseline
▲ 0.50% · 4.625%
HK$26,876
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,060/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,993
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,864
−HK$884/mo
Today · 4.125%
HK$29,748
baseline
▲ 0.50% · 4.625%
HK$31,558
+HK$1,810/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,496/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,142
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,977
−HK$847/mo
Today · 4.125%
HK$32,824
baseline
▲ 0.50% · 4.625%
HK$34,555
+HK$1,731/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,648/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,604 · 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).