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$15,573
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,058
−HK$492/mo
Today · 4.125%
HK$16,550
baseline
▲ 0.50% · 4.625%
HK$17,557
+HK$1,007/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,100/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,325
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,790
−HK$471/mo
Today · 4.125%
HK$18,261
baseline
▲ 0.50% · 4.625%
HK$19,224
+HK$963/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,522/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$204,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,688
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,269
−HK$591/mo
Today · 4.125%
HK$19,860
baseline
▲ 0.50% · 4.625%
HK$21,068
+HK$1,208/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,720/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,790
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,348
−HK$565/mo
Today · 4.125%
HK$21,913
baseline
▲ 0.50% · 4.625%
HK$23,069
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,826/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$204,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,803
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,481
−HK$689/mo
Today · 4.125%
HK$23,170
baseline
▲ 0.50% · 4.625%
HK$24,580
+HK$1,410/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$46,340/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,255
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,906
−HK$660/mo
Today · 4.125%
HK$25,566
baseline
▲ 0.50% · 4.625%
HK$26,913
+HK$1,347/mo
Deposit HK$2.05M · loan HK$4.78M · min. income ≈ HK$51,132/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,032
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,904
−HK$886/mo
Today · 4.125%
HK$29,790
baseline
▲ 0.50% · 4.625%
HK$31,603
+HK$1,813/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$59,580/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,185
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,022
−HK$848/mo
Today · 4.125%
HK$32,870
baseline
▲ 0.50% · 4.625%
HK$34,603
+HK$1,733/mo
Deposit HK$683K · loan HK$6.15M · min. income ≈ HK$65,740/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$204,890 · 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).