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$15,534
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,017
−HK$491/mo
Today · 4.125%
HK$16,508
baseline
▲ 0.50% · 4.625%
HK$17,512
+HK$1,004/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,016/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,281
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,744
−HK$471/mo
Today · 4.125%
HK$18,215
baseline
▲ 0.50% · 4.625%
HK$19,175
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,430/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,640
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,220
−HK$589/mo
Today · 4.125%
HK$19,809
baseline
▲ 0.50% · 4.625%
HK$21,014
+HK$1,205/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$39,618/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,737
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,293
−HK$564/mo
Today · 4.125%
HK$21,857
baseline
▲ 0.50% · 4.625%
HK$23,010
+HK$1,153/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$43,714/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,747
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,423
−HK$688/mo
Today · 4.125%
HK$23,111
baseline
▲ 0.50% · 4.625%
HK$24,517
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,222/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,193
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,842
−HK$658/mo
Today · 4.125%
HK$25,500
baseline
▲ 0.50% · 4.625%
HK$26,845
+HK$1,345/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,000/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,960
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,830
−HK$884/mo
Today · 4.125%
HK$29,714
baseline
▲ 0.50% · 4.625%
HK$31,522
+HK$1,808/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,428/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,106
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,940
−HK$846/mo
Today · 4.125%
HK$32,786
baseline
▲ 0.50% · 4.625%
HK$34,514
+HK$1,728/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,572/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,366 · 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).