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$15,469
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,950
−HK$489/mo
Today · 4.125%
HK$16,439
baseline
▲ 0.50% · 4.625%
HK$17,439
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,878/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,209
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,670
−HK$468/mo
Today · 4.125%
HK$18,138
baseline
▲ 0.50% · 4.625%
HK$19,095
+HK$957/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,276/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,562
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,140
−HK$586/mo
Today · 4.125%
HK$19,726
baseline
▲ 0.50% · 4.625%
HK$20,927
+HK$1,201/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,452/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,650
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,204
−HK$562/mo
Today · 4.125%
HK$21,766
baseline
▲ 0.50% · 4.625%
HK$22,913
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,532/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,656
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,330
−HK$684/mo
Today · 4.125%
HK$23,014
baseline
▲ 0.50% · 4.625%
HK$24,414
+HK$1,400/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,028/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,092
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,738
−HK$656/mo
Today · 4.125%
HK$25,394
baseline
▲ 0.50% · 4.625%
HK$26,732
+HK$1,338/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,788/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,844
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,710
−HK$880/mo
Today · 4.125%
HK$29,590
baseline
▲ 0.50% · 4.625%
HK$31,390
+HK$1,800/mo
Deposit HK$678K · loan HK$6.11M · min. income ≈ HK$59,180/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,976
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,806
−HK$843/mo
Today · 4.125%
HK$32,649
baseline
▲ 0.50% · 4.625%
HK$34,370
+HK$1,721/mo
Deposit HK$678K · loan HK$6.11M · min. income ≈ HK$65,298/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,512 · 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).