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$15,530
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,013
−HK$491/mo
Today · 4.125%
HK$16,504
baseline
▲ 0.50% · 4.625%
HK$17,508
+HK$1,004/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,008/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,277
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,740
−HK$470/mo
Today · 4.125%
HK$18,210
baseline
▲ 0.50% · 4.625%
HK$19,170
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,420/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,636
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,215
−HK$589/mo
Today · 4.125%
HK$19,804
baseline
▲ 0.50% · 4.625%
HK$21,009
+HK$1,205/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$39,608/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,732
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,288
−HK$564/mo
Today · 4.125%
HK$21,852
baseline
▲ 0.50% · 4.625%
HK$23,004
+HK$1,152/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$43,704/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,742
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,418
−HK$687/mo
Today · 4.125%
HK$23,105
baseline
▲ 0.50% · 4.625%
HK$24,511
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,210/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,187
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,836
−HK$658/mo
Today · 4.125%
HK$25,494
baseline
▲ 0.50% · 4.625%
HK$26,838
+HK$1,344/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$50,988/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,954
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,823
−HK$884/mo
Today · 4.125%
HK$29,707
baseline
▲ 0.50% · 4.625%
HK$31,514
+HK$1,807/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,414/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,098
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,932
−HK$846/mo
Today · 4.125%
HK$32,778
baseline
▲ 0.50% · 4.625%
HK$34,506
+HK$1,728/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,556/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,317 · 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).