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$15,465
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,946
−HK$488/mo
Today · 4.125%
HK$16,434
baseline
▲ 0.50% · 4.625%
HK$17,434
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,868/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,204
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,666
−HK$468/mo
Today · 4.125%
HK$18,134
baseline
▲ 0.50% · 4.625%
HK$19,090
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,268/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,558
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,135
−HK$586/mo
Today · 4.125%
HK$19,721
baseline
▲ 0.50% · 4.625%
HK$20,921
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,442/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,645
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,199
−HK$561/mo
Today · 4.125%
HK$21,760
baseline
▲ 0.50% · 4.625%
HK$22,907
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,520/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,650
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,324
−HK$684/mo
Today · 4.125%
HK$23,008
baseline
▲ 0.50% · 4.625%
HK$24,408
+HK$1,400/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$46,016/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,086
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,732
−HK$655/mo
Today · 4.125%
HK$25,387
baseline
▲ 0.50% · 4.625%
HK$26,725
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$50,774/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,836
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,702
−HK$880/mo
Today · 4.125%
HK$29,582
baseline
▲ 0.50% · 4.625%
HK$31,382
+HK$1,800/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,164/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,968
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,798
−HK$843/mo
Today · 4.125%
HK$32,641
baseline
▲ 0.50% · 4.625%
HK$34,361
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,282/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,459 · 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).