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$15,454
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,935
−HK$488/mo
Today · 4.125%
HK$16,423
baseline
▲ 0.50% · 4.625%
HK$17,423
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,846/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,193
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,654
−HK$468/mo
Today · 4.125%
HK$18,122
baseline
▲ 0.50% · 4.625%
HK$19,077
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,244/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,545
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,122
−HK$586/mo
Today · 4.125%
HK$19,708
baseline
▲ 0.50% · 4.625%
HK$20,907
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,416/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,631
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,185
−HK$561/mo
Today · 4.125%
HK$21,746
baseline
▲ 0.50% · 4.625%
HK$22,892
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,492/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,636
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,309
−HK$684/mo
Today · 4.125%
HK$22,993
baseline
▲ 0.50% · 4.625%
HK$24,392
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,986/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,070
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,715
−HK$655/mo
Today · 4.125%
HK$25,370
baseline
▲ 0.50% · 4.625%
HK$26,707
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,740/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,818
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,683
−HK$879/mo
Today · 4.125%
HK$29,562
baseline
▲ 0.50% · 4.625%
HK$31,361
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,124/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,947
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,777
−HK$842/mo
Today · 4.125%
HK$32,619
baseline
▲ 0.50% · 4.625%
HK$34,338
+HK$1,719/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,238/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,323 · 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).