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$15,470
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,951
−HK$489/mo
Today · 4.125%
HK$16,440
baseline
▲ 0.50% · 4.625%
HK$17,441
+HK$1,001/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,880/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,210
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,672
−HK$468/mo
Today · 4.125%
HK$18,140
baseline
▲ 0.50% · 4.625%
HK$19,096
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,280/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,564
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,142
−HK$586/mo
Today · 4.125%
HK$19,728
baseline
▲ 0.50% · 4.625%
HK$20,929
+HK$1,201/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,456/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,652
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,206
−HK$562/mo
Today · 4.125%
HK$21,768
baseline
▲ 0.50% · 4.625%
HK$22,916
+HK$1,148/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,536/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,658
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,332
−HK$684/mo
Today · 4.125%
HK$23,016
baseline
▲ 0.50% · 4.625%
HK$24,417
+HK$1,401/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,032/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,094
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,741
−HK$655/mo
Today · 4.125%
HK$25,396
baseline
▲ 0.50% · 4.625%
HK$26,735
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,792/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,846
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,712
−HK$880/mo
Today · 4.125%
HK$29,592
baseline
▲ 0.50% · 4.625%
HK$31,393
+HK$1,801/mo
Deposit HK$678K · loan HK$6.11M · min. income ≈ HK$59,184/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,979
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,809
−HK$843/mo
Today · 4.125%
HK$32,652
baseline
▲ 0.50% · 4.625%
HK$34,373
+HK$1,721/mo
Deposit HK$678K · loan HK$6.11M · min. income ≈ HK$65,304/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,531 · 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).