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$15,472
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,953
−HK$489/mo
Today · 4.125%
HK$16,442
baseline
▲ 0.50% · 4.625%
HK$17,443
+HK$1,001/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,884/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,213
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,674
−HK$468/mo
Today · 4.125%
HK$18,142
baseline
▲ 0.50% · 4.625%
HK$19,099
+HK$957/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,284/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,566
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,144
−HK$587/mo
Today · 4.125%
HK$19,731
baseline
▲ 0.50% · 4.625%
HK$20,931
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,462/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,655
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,209
−HK$562/mo
Today · 4.125%
HK$21,771
baseline
▲ 0.50% · 4.625%
HK$22,919
+HK$1,148/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,542/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,661
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,335
−HK$684/mo
Today · 4.125%
HK$23,019
baseline
▲ 0.50% · 4.625%
HK$24,420
+HK$1,401/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,038/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,098
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,744
−HK$655/mo
Today · 4.125%
HK$25,399
baseline
▲ 0.50% · 4.625%
HK$26,738
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,798/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,850
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,716
−HK$880/mo
Today · 4.125%
HK$29,596
baseline
▲ 0.50% · 4.625%
HK$31,397
+HK$1,801/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,192/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,983
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,813
−HK$843/mo
Today · 4.125%
HK$32,656
baseline
▲ 0.50% · 4.625%
HK$34,378
+HK$1,722/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,312/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,557 · 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).