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$15,465
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,946
−HK$489/mo
Today · 4.125%
HK$16,435
baseline
▲ 0.50% · 4.625%
HK$17,435
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,870/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,204
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,666
−HK$468/mo
Today · 4.125%
HK$18,134
baseline
▲ 0.50% · 4.625%
HK$19,090
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,268/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,558
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,135
−HK$587/mo
Today · 4.125%
HK$19,722
baseline
▲ 0.50% · 4.625%
HK$20,922
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,444/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,645
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,199
−HK$562/mo
Today · 4.125%
HK$21,761
baseline
▲ 0.50% · 4.625%
HK$22,908
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,522/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,651
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,324
−HK$684/mo
Today · 4.125%
HK$23,008
baseline
▲ 0.50% · 4.625%
HK$24,408
+HK$1,400/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$46,016/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,086
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,732
−HK$656/mo
Today · 4.125%
HK$25,388
baseline
▲ 0.50% · 4.625%
HK$26,726
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$50,776/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,837
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,703
−HK$879/mo
Today · 4.125%
HK$29,582
baseline
▲ 0.50% · 4.625%
HK$31,382
+HK$1,800/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,164/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,968
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,799
−HK$842/mo
Today · 4.125%
HK$32,641
baseline
▲ 0.50% · 4.625%
HK$34,362
+HK$1,721/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,282/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,462 · 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).