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$15,473
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,954
−HK$489/mo
Today · 4.125%
HK$16,443
baseline
▲ 0.50% · 4.625%
HK$17,443
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,886/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,213
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,675
−HK$468/mo
Today · 4.125%
HK$18,143
baseline
▲ 0.50% · 4.625%
HK$19,100
+HK$957/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,286/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,567
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,145
−HK$587/mo
Today · 4.125%
HK$19,732
baseline
▲ 0.50% · 4.625%
HK$20,932
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,464/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,656
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,210
−HK$562/mo
Today · 4.125%
HK$21,772
baseline
▲ 0.50% · 4.625%
HK$22,919
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,544/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,662
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,336
−HK$684/mo
Today · 4.125%
HK$23,020
baseline
▲ 0.50% · 4.625%
HK$24,421
+HK$1,401/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,040/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,098
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,745
−HK$655/mo
Today · 4.125%
HK$25,400
baseline
▲ 0.50% · 4.625%
HK$26,739
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,800/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,851
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,717
−HK$880/mo
Today · 4.125%
HK$29,597
baseline
▲ 0.50% · 4.625%
HK$31,398
+HK$1,801/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,194/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,984
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,815
−HK$843/mo
Today · 4.125%
HK$32,658
baseline
▲ 0.50% · 4.625%
HK$34,379
+HK$1,721/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,316/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,565 · 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).