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$15,571
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,055
−HK$492/mo
Today · 4.125%
HK$16,547
baseline
▲ 0.50% · 4.625%
HK$17,554
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,094/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,322
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,787
−HK$471/mo
Today · 4.125%
HK$18,258
baseline
▲ 0.50% · 4.625%
HK$19,221
+HK$963/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,516/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,685
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,266
−HK$591/mo
Today · 4.125%
HK$19,857
baseline
▲ 0.50% · 4.625%
HK$21,065
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,714/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,787
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,344
−HK$566/mo
Today · 4.125%
HK$21,910
baseline
▲ 0.50% · 4.625%
HK$23,065
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,820/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,799
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,477
−HK$689/mo
Today · 4.125%
HK$23,166
baseline
▲ 0.50% · 4.625%
HK$24,576
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,332/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,251
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,902
−HK$660/mo
Today · 4.125%
HK$25,562
baseline
▲ 0.50% · 4.625%
HK$26,909
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,124/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,028
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,899
−HK$886/mo
Today · 4.125%
HK$29,785
baseline
▲ 0.50% · 4.625%
HK$31,598
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,570/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,180
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,017
−HK$848/mo
Today · 4.125%
HK$32,865
baseline
▲ 0.50% · 4.625%
HK$34,597
+HK$1,732/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,730/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,858 · 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).