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$15,568
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,052
−HK$492/mo
Today · 4.125%
HK$16,544
baseline
▲ 0.50% · 4.625%
HK$17,551
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,088/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,319
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,783
−HK$472/mo
Today · 4.125%
HK$18,255
baseline
▲ 0.50% · 4.625%
HK$19,217
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,510/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,681
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,262
−HK$591/mo
Today · 4.125%
HK$19,853
baseline
▲ 0.50% · 4.625%
HK$21,061
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,706/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,783
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,340
−HK$566/mo
Today · 4.125%
HK$21,906
baseline
▲ 0.50% · 4.625%
HK$23,060
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,812/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,795
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,473
−HK$689/mo
Today · 4.125%
HK$23,162
baseline
▲ 0.50% · 4.625%
HK$24,571
+HK$1,409/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,324/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,247
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,897
−HK$660/mo
Today · 4.125%
HK$25,557
baseline
▲ 0.50% · 4.625%
HK$26,904
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,114/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,022
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,894
−HK$885/mo
Today · 4.125%
HK$29,779
baseline
▲ 0.50% · 4.625%
HK$31,591
+HK$1,812/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$59,558/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,174
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,010
−HK$848/mo
Today · 4.125%
HK$32,858
baseline
▲ 0.50% · 4.625%
HK$34,590
+HK$1,732/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$65,716/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,816 · 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).