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$15,561
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,045
−HK$492/mo
Today · 4.125%
HK$16,537
baseline
▲ 0.50% · 4.625%
HK$17,543
+HK$1,006/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,074/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,312
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,776
−HK$471/mo
Today · 4.125%
HK$18,247
baseline
▲ 0.50% · 4.625%
HK$19,209
+HK$962/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,494/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,673
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,254
−HK$590/mo
Today · 4.125%
HK$19,844
baseline
▲ 0.50% · 4.625%
HK$21,052
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,688/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,774
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,331
−HK$565/mo
Today · 4.125%
HK$21,896
baseline
▲ 0.50% · 4.625%
HK$23,050
+HK$1,154/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,792/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,786
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,463
−HK$689/mo
Today · 4.125%
HK$23,152
baseline
▲ 0.50% · 4.625%
HK$24,560
+HK$1,408/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,304/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,236
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,886
−HK$660/mo
Today · 4.125%
HK$25,546
baseline
▲ 0.50% · 4.625%
HK$26,892
+HK$1,346/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,092/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,010
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,881
−HK$885/mo
Today · 4.125%
HK$29,766
baseline
▲ 0.50% · 4.625%
HK$31,578
+HK$1,812/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$59,532/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,161
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,996
−HK$848/mo
Today · 4.125%
HK$32,844
baseline
▲ 0.50% · 4.625%
HK$34,576
+HK$1,732/mo
Deposit HK$682K · loan HK$6.14M · min. income ≈ HK$65,688/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$204,728 · 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).