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$203,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,209
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,671
−HK$468/mo
Today · 4.125%
HK$18,139
baseline
▲ 0.50% · 4.625%
HK$19,095
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,278/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,563
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,140
−HK$587/mo
Today · 4.125%
HK$19,727
baseline
▲ 0.50% · 4.625%
HK$20,927
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,454/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,651
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,205
−HK$562/mo
Today · 4.125%
HK$21,767
baseline
▲ 0.50% · 4.625%
HK$22,914
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,534/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,657
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,330
−HK$685/mo
Today · 4.125%
HK$23,015
baseline
▲ 0.50% · 4.625%
HK$24,415
+HK$1,400/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,030/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,093
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,739
−HK$656/mo
Today · 4.125%
HK$25,395
baseline
▲ 0.50% · 4.625%
HK$26,733
+HK$1,338/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,790/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,844
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,711
−HK$880/mo
Today · 4.125%
HK$29,591
baseline
▲ 0.50% · 4.625%
HK$31,391
+HK$1,800/mo
Deposit HK$678K · loan HK$6.11M · min. income ≈ HK$59,182/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,977
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,807
−HK$843/mo
Today · 4.125%
HK$32,650
baseline
▲ 0.50% · 4.625%
HK$34,371
+HK$1,721/mo
Deposit HK$678K · loan HK$6.11M · min. income ≈ HK$65,300/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,519 · 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).