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$15,483
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,965
−HK$489/mo
Today · 4.125%
HK$16,454
baseline
▲ 0.50% · 4.625%
HK$17,455
+HK$1,001/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,908/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,225
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,687
−HK$468/mo
Today · 4.125%
HK$18,155
baseline
▲ 0.50% · 4.625%
HK$19,112
+HK$957/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,310/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,580
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,157
−HK$588/mo
Today · 4.125%
HK$19,745
baseline
▲ 0.50% · 4.625%
HK$20,946
+HK$1,201/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$39,490/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,670
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,224
−HK$562/mo
Today · 4.125%
HK$21,786
baseline
▲ 0.50% · 4.625%
HK$22,935
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$43,572/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,676
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,350
−HK$685/mo
Today · 4.125%
HK$23,035
baseline
▲ 0.50% · 4.625%
HK$24,437
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,070/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,114
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,761
−HK$656/mo
Today · 4.125%
HK$25,417
baseline
▲ 0.50% · 4.625%
HK$26,757
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,834/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,869
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,736
−HK$881/mo
Today · 4.125%
HK$29,617
baseline
▲ 0.50% · 4.625%
HK$31,419
+HK$1,802/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,234/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,004
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,836
−HK$843/mo
Today · 4.125%
HK$32,679
baseline
▲ 0.50% · 4.625%
HK$34,402
+HK$1,723/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,358/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,700 · 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).