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$15,529
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,012
−HK$491/mo
Today · 4.125%
HK$16,503
baseline
▲ 0.50% · 4.625%
HK$17,507
+HK$1,004/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,006/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,276
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,739
−HK$470/mo
Today · 4.125%
HK$18,209
baseline
▲ 0.50% · 4.625%
HK$19,169
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,418/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,635
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,215
−HK$589/mo
Today · 4.125%
HK$19,804
baseline
▲ 0.50% · 4.625%
HK$21,009
+HK$1,205/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$39,608/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,731
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,287
−HK$564/mo
Today · 4.125%
HK$21,851
baseline
▲ 0.50% · 4.625%
HK$23,003
+HK$1,152/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$43,702/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,741
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,417
−HK$687/mo
Today · 4.125%
HK$23,104
baseline
▲ 0.50% · 4.625%
HK$24,510
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,208/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,186
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,835
−HK$658/mo
Today · 4.125%
HK$25,493
baseline
▲ 0.50% · 4.625%
HK$26,837
+HK$1,344/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$50,986/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,953
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,822
−HK$883/mo
Today · 4.125%
HK$29,705
baseline
▲ 0.50% · 4.625%
HK$31,513
+HK$1,808/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,410/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,097
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,931
−HK$846/mo
Today · 4.125%
HK$32,777
baseline
▲ 0.50% · 4.625%
HK$34,505
+HK$1,728/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,554/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,309 · 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).