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$15,485
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,966
−HK$490/mo
Today · 4.125%
HK$16,456
baseline
▲ 0.50% · 4.625%
HK$17,457
+HK$1,001/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,912/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,227
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,689
−HK$468/mo
Today · 4.125%
HK$18,157
baseline
▲ 0.50% · 4.625%
HK$19,114
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,314/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,582
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,160
−HK$587/mo
Today · 4.125%
HK$19,747
baseline
▲ 0.50% · 4.625%
HK$20,948
+HK$1,201/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$39,494/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,672
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,226
−HK$563/mo
Today · 4.125%
HK$21,789
baseline
▲ 0.50% · 4.625%
HK$22,937
+HK$1,148/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$43,578/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,679
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,353
−HK$685/mo
Today · 4.125%
HK$23,038
baseline
▲ 0.50% · 4.625%
HK$24,440
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,076/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,117
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,764
−HK$656/mo
Today · 4.125%
HK$25,420
baseline
▲ 0.50% · 4.625%
HK$26,760
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,840/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,872
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,739
−HK$881/mo
Today · 4.125%
HK$29,620
baseline
▲ 0.50% · 4.625%
HK$31,423
+HK$1,803/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,240/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,008
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,839
−HK$844/mo
Today · 4.125%
HK$32,683
baseline
▲ 0.50% · 4.625%
HK$34,406
+HK$1,723/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,366/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,723 · 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).