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$15,475
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,957
−HK$489/mo
Today · 4.125%
HK$16,446
baseline
▲ 0.50% · 4.625%
HK$17,446
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,892/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,216
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,678
−HK$468/mo
Today · 4.125%
HK$18,146
baseline
▲ 0.50% · 4.625%
HK$19,103
+HK$957/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,292/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,570
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,148
−HK$587/mo
Today · 4.125%
HK$19,735
baseline
▲ 0.50% · 4.625%
HK$20,936
+HK$1,201/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,470/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,659
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,213
−HK$562/mo
Today · 4.125%
HK$21,775
baseline
▲ 0.50% · 4.625%
HK$22,923
+HK$1,148/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,550/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,665
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,339
−HK$685/mo
Today · 4.125%
HK$23,024
baseline
▲ 0.50% · 4.625%
HK$24,425
+HK$1,401/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,048/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,102
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,749
−HK$656/mo
Today · 4.125%
HK$25,405
baseline
▲ 0.50% · 4.625%
HK$26,744
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,810/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,855
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,722
−HK$880/mo
Today · 4.125%
HK$29,602
baseline
▲ 0.50% · 4.625%
HK$31,403
+HK$1,801/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,204/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,989
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,820
−HK$843/mo
Today · 4.125%
HK$32,663
baseline
▲ 0.50% · 4.625%
HK$34,385
+HK$1,722/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,326/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,598 · 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).