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$15,533
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,016
−HK$491/mo
Today · 4.125%
HK$16,507
baseline
▲ 0.50% · 4.625%
HK$17,512
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,014/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,280
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,744
−HK$470/mo
Today · 4.125%
HK$18,214
baseline
▲ 0.50% · 4.625%
HK$19,174
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,428/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,640
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,220
−HK$589/mo
Today · 4.125%
HK$19,809
baseline
▲ 0.50% · 4.625%
HK$21,014
+HK$1,205/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$39,618/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,736
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,293
−HK$564/mo
Today · 4.125%
HK$21,857
baseline
▲ 0.50% · 4.625%
HK$23,009
+HK$1,152/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$43,714/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,746
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,423
−HK$687/mo
Today · 4.125%
HK$23,110
baseline
▲ 0.50% · 4.625%
HK$24,516
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,220/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,193
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,841
−HK$659/mo
Today · 4.125%
HK$25,500
baseline
▲ 0.50% · 4.625%
HK$26,844
+HK$1,344/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,000/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,960
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,829
−HK$884/mo
Today · 4.125%
HK$29,713
baseline
▲ 0.50% · 4.625%
HK$31,521
+HK$1,808/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,426/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,105
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,939
−HK$846/mo
Today · 4.125%
HK$32,785
baseline
▲ 0.50% · 4.625%
HK$34,513
+HK$1,728/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,570/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,360 · 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).