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$15,549
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,032
−HK$492/mo
Today · 4.125%
HK$16,524
baseline
▲ 0.50% · 4.625%
HK$17,529
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,048/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,298
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,762
−HK$470/mo
Today · 4.125%
HK$18,232
baseline
▲ 0.50% · 4.625%
HK$19,193
+HK$961/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,464/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,658
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,239
−HK$589/mo
Today · 4.125%
HK$19,828
baseline
▲ 0.50% · 4.625%
HK$21,035
+HK$1,207/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,656/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,757
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,314
−HK$565/mo
Today · 4.125%
HK$21,879
baseline
▲ 0.50% · 4.625%
HK$23,032
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,758/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,768
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,445
−HK$688/mo
Today · 4.125%
HK$23,133
baseline
▲ 0.50% · 4.625%
HK$24,541
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$46,266/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,217
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,866
−HK$659/mo
Today · 4.125%
HK$25,525
baseline
▲ 0.50% · 4.625%
HK$26,871
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.77M · min. income ≈ HK$51,050/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,988
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,858
−HK$885/mo
Today · 4.125%
HK$29,743
baseline
▲ 0.50% · 4.625%
HK$31,552
+HK$1,809/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,486/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,136
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,971
−HK$847/mo
Today · 4.125%
HK$32,818
baseline
▲ 0.50% · 4.625%
HK$34,548
+HK$1,730/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,636/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,565 · 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).