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$15,461
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,942
−HK$488/mo
Today · 4.125%
HK$16,430
baseline
▲ 0.50% · 4.625%
HK$17,430
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,860/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,200
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,661
−HK$468/mo
Today · 4.125%
HK$18,129
baseline
▲ 0.50% · 4.625%
HK$19,085
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,258/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,553
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,130
−HK$586/mo
Today · 4.125%
HK$19,716
baseline
▲ 0.50% · 4.625%
HK$20,916
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,432/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,640
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$561/mo
Today · 4.125%
HK$21,755
baseline
▲ 0.50% · 4.625%
HK$22,902
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,510/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,645
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,318
−HK$685/mo
Today · 4.125%
HK$23,003
baseline
▲ 0.50% · 4.625%
HK$24,402
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$46,006/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,080
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,726
−HK$655/mo
Today · 4.125%
HK$25,381
baseline
▲ 0.50% · 4.625%
HK$26,719
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$50,762/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,830
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,695
−HK$880/mo
Today · 4.125%
HK$29,575
baseline
▲ 0.50% · 4.625%
HK$31,374
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,150/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,960
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,790
−HK$843/mo
Today · 4.125%
HK$32,633
baseline
▲ 0.50% · 4.625%
HK$34,353
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,266/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,410 · 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).