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$15,556
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,040
−HK$491/mo
Today · 4.125%
HK$16,531
baseline
▲ 0.50% · 4.625%
HK$17,537
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,062/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,306
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,770
−HK$471/mo
Today · 4.125%
HK$18,241
baseline
▲ 0.50% · 4.625%
HK$19,202
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,482/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,667
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,248
−HK$590/mo
Today · 4.125%
HK$19,838
baseline
▲ 0.50% · 4.625%
HK$21,045
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,676/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,767
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,324
−HK$565/mo
Today · 4.125%
HK$21,889
baseline
▲ 0.50% · 4.625%
HK$23,043
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,778/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,778
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,456
−HK$688/mo
Today · 4.125%
HK$23,144
baseline
▲ 0.50% · 4.625%
HK$24,552
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,288/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,228
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,878
−HK$659/mo
Today · 4.125%
HK$25,537
baseline
▲ 0.50% · 4.625%
HK$26,883
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,074/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,001
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,871
−HK$885/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,567
+HK$1,811/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,150
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,986
−HK$847/mo
Today · 4.125%
HK$32,833
baseline
▲ 0.50% · 4.625%
HK$34,564
+HK$1,731/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,666/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,660 · 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).