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$15,565
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,049
−HK$492/mo
Today · 4.125%
HK$16,541
baseline
▲ 0.50% · 4.625%
HK$17,548
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,082/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,316
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,781
−HK$471/mo
Today · 4.125%
HK$18,252
baseline
▲ 0.50% · 4.625%
HK$19,214
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,504/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,678
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,259
−HK$591/mo
Today · 4.125%
HK$19,850
baseline
▲ 0.50% · 4.625%
HK$21,057
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,700/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,779
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,337
−HK$565/mo
Today · 4.125%
HK$21,902
baseline
▲ 0.50% · 4.625%
HK$23,057
+HK$1,155/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,804/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,791
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,469
−HK$689/mo
Today · 4.125%
HK$23,158
baseline
▲ 0.50% · 4.625%
HK$24,567
+HK$1,409/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,316/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,243
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,893
−HK$659/mo
Today · 4.125%
HK$25,552
baseline
▲ 0.50% · 4.625%
HK$26,899
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,104/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,018
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,889
−HK$885/mo
Today · 4.125%
HK$29,774
baseline
▲ 0.50% · 4.625%
HK$31,586
+HK$1,812/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$59,548/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,169
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,005
−HK$848/mo
Today · 4.125%
HK$32,853
baseline
▲ 0.50% · 4.625%
HK$34,585
+HK$1,732/mo
Deposit HK$683K · loan HK$6.14M · min. income ≈ HK$65,706/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,784 · 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).