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$15,555
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,039
−HK$492/mo
Today · 4.125%
HK$16,531
baseline
▲ 0.50% · 4.625%
HK$17,536
+HK$1,005/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$204,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,305
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,769
−HK$471/mo
Today · 4.125%
HK$18,240
baseline
▲ 0.50% · 4.625%
HK$19,201
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,480/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,666
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,247
−HK$590/mo
Today · 4.125%
HK$19,837
baseline
▲ 0.50% · 4.625%
HK$21,044
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,674/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,766
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,323
−HK$565/mo
Today · 4.125%
HK$21,888
baseline
▲ 0.50% · 4.625%
HK$23,042
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,776/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,777
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,455
−HK$688/mo
Today · 4.125%
HK$23,143
baseline
▲ 0.50% · 4.625%
HK$24,551
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,286/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,227
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,877
−HK$659/mo
Today · 4.125%
HK$25,536
baseline
▲ 0.50% · 4.625%
HK$26,882
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,072/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,999
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,870
−HK$885/mo
Today · 4.125%
HK$29,755
baseline
▲ 0.50% · 4.625%
HK$31,566
+HK$1,811/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,510/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,149
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,984
−HK$848/mo
Today · 4.125%
HK$32,832
baseline
▲ 0.50% · 4.625%
HK$34,562
+HK$1,730/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,664/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,650 · 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).