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$15,548
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,032
−HK$491/mo
Today · 4.125%
HK$16,523
baseline
▲ 0.50% · 4.625%
HK$17,528
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,046/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,297
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,761
−HK$471/mo
Today · 4.125%
HK$18,232
baseline
▲ 0.50% · 4.625%
HK$19,193
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,464/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,658
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,238
−HK$590/mo
Today · 4.125%
HK$19,828
baseline
▲ 0.50% · 4.625%
HK$21,034
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,656/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,756
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,313
−HK$565/mo
Today · 4.125%
HK$21,878
baseline
▲ 0.50% · 4.625%
HK$23,031
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,756/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,767
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,444
−HK$688/mo
Today · 4.125%
HK$23,132
baseline
▲ 0.50% · 4.625%
HK$24,540
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,264/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,216
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,865
−HK$659/mo
Today · 4.125%
HK$25,524
baseline
▲ 0.50% · 4.625%
HK$26,870
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,048/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,986
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,857
−HK$884/mo
Today · 4.125%
HK$29,741
baseline
▲ 0.50% · 4.625%
HK$31,551
+HK$1,810/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,482/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,135
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,970
−HK$847/mo
Today · 4.125%
HK$32,817
baseline
▲ 0.50% · 4.625%
HK$34,547
+HK$1,730/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,634/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,557 · 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).