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$15,480
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,961
−HK$489/mo
Today · 4.125%
HK$16,450
baseline
▲ 0.50% · 4.625%
HK$17,451
+HK$1,001/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,900/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,221
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,683
−HK$468/mo
Today · 4.125%
HK$18,151
baseline
▲ 0.50% · 4.625%
HK$19,108
+HK$957/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,302/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,575
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,153
−HK$587/mo
Today · 4.125%
HK$19,740
baseline
▲ 0.50% · 4.625%
HK$20,941
+HK$1,201/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$39,480/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,665
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,219
−HK$562/mo
Today · 4.125%
HK$21,781
baseline
▲ 0.50% · 4.625%
HK$22,930
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$43,562/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,671
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,345
−HK$685/mo
Today · 4.125%
HK$23,030
baseline
▲ 0.50% · 4.625%
HK$24,432
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,060/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,109
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,756
−HK$656/mo
Today · 4.125%
HK$25,412
baseline
▲ 0.50% · 4.625%
HK$26,751
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,824/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,863
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,730
−HK$880/mo
Today · 4.125%
HK$29,610
baseline
▲ 0.50% · 4.625%
HK$31,412
+HK$1,802/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,220/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,998
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,829
−HK$843/mo
Today · 4.125%
HK$32,672
baseline
▲ 0.50% · 4.625%
HK$34,394
+HK$1,722/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,344/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,656 · 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).