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$15,478
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,960
−HK$489/mo
Today · 4.125%
HK$16,449
baseline
▲ 0.50% · 4.625%
HK$17,450
+HK$1,001/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,898/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,219
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,681
−HK$469/mo
Today · 4.125%
HK$18,150
baseline
▲ 0.50% · 4.625%
HK$19,106
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,300/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,574
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,151
−HK$587/mo
Today · 4.125%
HK$19,738
baseline
▲ 0.50% · 4.625%
HK$20,939
+HK$1,201/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$39,476/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,663
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,217
−HK$562/mo
Today · 4.125%
HK$21,779
baseline
▲ 0.50% · 4.625%
HK$22,927
+HK$1,148/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$43,558/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,669
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,343
−HK$685/mo
Today · 4.125%
HK$23,028
baseline
▲ 0.50% · 4.625%
HK$24,429
+HK$1,401/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,056/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,107
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,753
−HK$656/mo
Today · 4.125%
HK$25,409
baseline
▲ 0.50% · 4.625%
HK$26,749
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,818/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,861
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,727
−HK$881/mo
Today · 4.125%
HK$29,608
baseline
▲ 0.50% · 4.625%
HK$31,409
+HK$1,801/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,216/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,995
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,826
−HK$843/mo
Today · 4.125%
HK$32,669
baseline
▲ 0.50% · 4.625%
HK$34,391
+HK$1,722/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,338/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,637 · 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).