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$15,471
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,952
−HK$489/mo
Today · 4.125%
HK$16,441
baseline
▲ 0.50% · 4.625%
HK$17,441
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,882/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,211
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,673
−HK$468/mo
Today · 4.125%
HK$18,141
baseline
▲ 0.50% · 4.625%
HK$19,097
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,282/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,565
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,143
−HK$586/mo
Today · 4.125%
HK$19,729
baseline
▲ 0.50% · 4.625%
HK$20,930
+HK$1,201/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,458/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,653
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,207
−HK$562/mo
Today · 4.125%
HK$21,769
baseline
▲ 0.50% · 4.625%
HK$22,917
+HK$1,148/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,538/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,659
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,333
−HK$684/mo
Today · 4.125%
HK$23,017
baseline
▲ 0.50% · 4.625%
HK$24,418
+HK$1,401/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,034/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,096
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,742
−HK$655/mo
Today · 4.125%
HK$25,397
baseline
▲ 0.50% · 4.625%
HK$26,736
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,794/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,848
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,714
−HK$880/mo
Today · 4.125%
HK$29,594
baseline
▲ 0.50% · 4.625%
HK$31,395
+HK$1,801/mo
Deposit HK$678K · loan HK$6.11M · min. income ≈ HK$59,188/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,980
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,811
−HK$843/mo
Today · 4.125%
HK$32,654
baseline
▲ 0.50% · 4.625%
HK$34,375
+HK$1,721/mo
Deposit HK$678K · loan HK$6.11M · min. income ≈ HK$65,308/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,542 · 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).