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$15,544
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,027
−HK$492/mo
Today · 4.125%
HK$16,519
baseline
▲ 0.50% · 4.625%
HK$17,524
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,038/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,292
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,756
−HK$471/mo
Today · 4.125%
HK$18,227
baseline
▲ 0.50% · 4.625%
HK$19,187
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,454/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,653
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,233
−HK$589/mo
Today · 4.125%
HK$19,822
baseline
▲ 0.50% · 4.625%
HK$21,028
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,644/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,751
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,307
−HK$565/mo
Today · 4.125%
HK$21,872
baseline
▲ 0.50% · 4.625%
HK$23,025
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,744/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,761
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,438
−HK$688/mo
Today · 4.125%
HK$23,126
baseline
▲ 0.50% · 4.625%
HK$24,533
+HK$1,407/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,252/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,209
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,859
−HK$658/mo
Today · 4.125%
HK$25,517
baseline
▲ 0.50% · 4.625%
HK$26,862
+HK$1,345/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,034/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,979
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,849
−HK$884/mo
Today · 4.125%
HK$29,733
baseline
▲ 0.50% · 4.625%
HK$31,543
+HK$1,810/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,466/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,126
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,961
−HK$847/mo
Today · 4.125%
HK$32,808
baseline
▲ 0.50% · 4.625%
HK$34,537
+HK$1,729/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,616/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,501 · 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).