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$15,479
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,960
−HK$490/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$203,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,220
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,682
−HK$469/mo
Today · 4.125%
HK$18,151
baseline
▲ 0.50% · 4.625%
HK$19,107
+HK$956/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$203,648 · 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$203,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,664
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,218
−HK$563/mo
Today · 4.125%
HK$21,781
baseline
▲ 0.50% · 4.625%
HK$22,929
+HK$1,148/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$203,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,671
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,345
−HK$684/mo
Today · 4.125%
HK$23,029
baseline
▲ 0.50% · 4.625%
HK$24,431
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,058/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,108
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,755
−HK$656/mo
Today · 4.125%
HK$25,411
baseline
▲ 0.50% · 4.625%
HK$26,750
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,822/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,862
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,729
−HK$880/mo
Today · 4.125%
HK$29,609
baseline
▲ 0.50% · 4.625%
HK$31,411
+HK$1,802/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,218/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,996
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,828
−HK$843/mo
Today · 4.125%
HK$32,671
baseline
▲ 0.50% · 4.625%
HK$34,393
+HK$1,722/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,342/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,648 · 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).