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$15,463
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,944
−HK$489/mo
Today · 4.125%
HK$16,433
baseline
▲ 0.50% · 4.625%
HK$17,433
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,866/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,203
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,664
−HK$468/mo
Today · 4.125%
HK$18,132
baseline
▲ 0.50% · 4.625%
HK$19,088
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,264/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,556
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,133
−HK$587/mo
Today · 4.125%
HK$19,720
baseline
▲ 0.50% · 4.625%
HK$20,920
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,440/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,643
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,197
−HK$562/mo
Today · 4.125%
HK$21,759
baseline
▲ 0.50% · 4.625%
HK$22,906
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,518/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,649
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,322
−HK$684/mo
Today · 4.125%
HK$23,006
baseline
▲ 0.50% · 4.625%
HK$24,406
+HK$1,400/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$46,012/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,084
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,730
−HK$655/mo
Today · 4.125%
HK$25,385
baseline
▲ 0.50% · 4.625%
HK$26,723
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$50,770/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,834
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,700
−HK$880/mo
Today · 4.125%
HK$29,580
baseline
▲ 0.50% · 4.625%
HK$31,379
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,160/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,965
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,796
−HK$842/mo
Today · 4.125%
HK$32,638
baseline
▲ 0.50% · 4.625%
HK$34,358
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,276/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,443 · 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).