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$15,566
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,051
−HK$491/mo
Today · 4.125%
HK$16,542
baseline
▲ 0.50% · 4.625%
HK$17,549
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,084/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,317
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,782
−HK$471/mo
Today · 4.125%
HK$18,253
baseline
▲ 0.50% · 4.625%
HK$19,215
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,506/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,680
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,261
−HK$590/mo
Today · 4.125%
HK$19,851
baseline
▲ 0.50% · 4.625%
HK$21,059
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,702/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,781
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,338
−HK$566/mo
Today · 4.125%
HK$21,904
baseline
▲ 0.50% · 4.625%
HK$23,058
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,808/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,793
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,471
−HK$688/mo
Today · 4.125%
HK$23,159
baseline
▲ 0.50% · 4.625%
HK$24,569
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,318/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,244
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,895
−HK$659/mo
Today · 4.125%
HK$25,554
baseline
▲ 0.50% · 4.625%
HK$26,901
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,108/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,019
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,891
−HK$885/mo
Today · 4.125%
HK$29,776
baseline
▲ 0.50% · 4.625%
HK$31,588
+HK$1,812/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$59,552/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,171
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,007
−HK$848/mo
Today · 4.125%
HK$32,855
baseline
▲ 0.50% · 4.625%
HK$34,587
+HK$1,732/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$65,710/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,798 · 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).