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$15,457
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,938
−HK$488/mo
Today · 4.125%
HK$16,426
baseline
▲ 0.50% · 4.625%
HK$17,426
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,852/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,196
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,657
−HK$468/mo
Today · 4.125%
HK$18,125
baseline
▲ 0.50% · 4.625%
HK$19,080
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,250/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,548
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,125
−HK$586/mo
Today · 4.125%
HK$19,711
baseline
▲ 0.50% · 4.625%
HK$20,911
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,422/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,635
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,188
−HK$562/mo
Today · 4.125%
HK$21,750
baseline
▲ 0.50% · 4.625%
HK$22,896
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,500/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,640
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,313
−HK$684/mo
Today · 4.125%
HK$22,997
baseline
▲ 0.50% · 4.625%
HK$24,396
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,994/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,074
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,719
−HK$655/mo
Today · 4.125%
HK$25,374
baseline
▲ 0.50% · 4.625%
HK$26,712
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,748/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,822
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,688
−HK$879/mo
Today · 4.125%
HK$29,567
baseline
▲ 0.50% · 4.625%
HK$31,366
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,134/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,952
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,782
−HK$842/mo
Today · 4.125%
HK$32,624
baseline
▲ 0.50% · 4.625%
HK$34,344
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,248/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,357 · 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).