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$15,569
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,053
−HK$492/mo
Today · 4.125%
HK$16,545
baseline
▲ 0.50% · 4.625%
HK$17,552
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,090/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,320
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,785
−HK$471/mo
Today · 4.125%
HK$18,256
baseline
▲ 0.50% · 4.625%
HK$19,218
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,512/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,683
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,264
−HK$590/mo
Today · 4.125%
HK$19,854
baseline
▲ 0.50% · 4.625%
HK$21,062
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,708/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,784
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,342
−HK$565/mo
Today · 4.125%
HK$21,907
baseline
▲ 0.50% · 4.625%
HK$23,062
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,814/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,796
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,474
−HK$689/mo
Today · 4.125%
HK$23,163
baseline
▲ 0.50% · 4.625%
HK$24,573
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,326/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,248
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,899
−HK$659/mo
Today · 4.125%
HK$25,558
baseline
▲ 0.50% · 4.625%
HK$26,905
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,116/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,024
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,896
−HK$885/mo
Today · 4.125%
HK$29,781
baseline
▲ 0.50% · 4.625%
HK$31,593
+HK$1,812/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$59,562/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,176
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,012
−HK$849/mo
Today · 4.125%
HK$32,861
baseline
▲ 0.50% · 4.625%
HK$34,593
+HK$1,732/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$65,722/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,830 · 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).