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$15,482
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,964
−HK$489/mo
Today · 4.125%
HK$16,453
baseline
▲ 0.50% · 4.625%
HK$17,454
+HK$1,001/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,906/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,224
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,686
−HK$468/mo
Today · 4.125%
HK$18,154
baseline
▲ 0.50% · 4.625%
HK$19,111
+HK$957/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,308/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,578
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,156
−HK$587/mo
Today · 4.125%
HK$19,743
baseline
▲ 0.50% · 4.625%
HK$20,945
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$39,486/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,668
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,223
−HK$562/mo
Today · 4.125%
HK$21,785
baseline
▲ 0.50% · 4.625%
HK$22,933
+HK$1,148/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$43,570/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,675
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,349
−HK$685/mo
Today · 4.125%
HK$23,034
baseline
▲ 0.50% · 4.625%
HK$24,436
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,068/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,113
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,760
−HK$656/mo
Today · 4.125%
HK$25,416
baseline
▲ 0.50% · 4.625%
HK$26,755
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,832/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,868
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,734
−HK$881/mo
Today · 4.125%
HK$29,615
baseline
▲ 0.50% · 4.625%
HK$31,417
+HK$1,802/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,230/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,002
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,834
−HK$843/mo
Today · 4.125%
HK$32,677
baseline
▲ 0.50% · 4.625%
HK$34,400
+HK$1,723/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,354/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,688 · 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).