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$15,531
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,014
−HK$491/mo
Today · 4.125%
HK$16,505
baseline
▲ 0.50% · 4.625%
HK$17,510
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,010/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,278
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,742
−HK$470/mo
Today · 4.125%
HK$18,212
baseline
▲ 0.50% · 4.625%
HK$19,172
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,424/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,638
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,217
−HK$589/mo
Today · 4.125%
HK$19,806
baseline
▲ 0.50% · 4.625%
HK$21,012
+HK$1,206/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$39,612/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,734
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,290
−HK$564/mo
Today · 4.125%
HK$21,854
baseline
▲ 0.50% · 4.625%
HK$23,006
+HK$1,152/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$43,708/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,744
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,420
−HK$687/mo
Today · 4.125%
HK$23,107
baseline
▲ 0.50% · 4.625%
HK$24,513
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,214/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,190
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,839
−HK$658/mo
Today · 4.125%
HK$25,497
baseline
▲ 0.50% · 4.625%
HK$26,841
+HK$1,344/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$50,994/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,956
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,826
−HK$884/mo
Today · 4.125%
HK$29,710
baseline
▲ 0.50% · 4.625%
HK$31,517
+HK$1,807/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,420/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,101
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,935
−HK$847/mo
Today · 4.125%
HK$32,782
baseline
▲ 0.50% · 4.625%
HK$34,509
+HK$1,727/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,564/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,337 · 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).