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$15,472
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,953
−HK$489/mo
Today · 4.125%
HK$16,442
baseline
▲ 0.50% · 4.625%
HK$17,442
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,884/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,212
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,674
−HK$468/mo
Today · 4.125%
HK$18,142
baseline
▲ 0.50% · 4.625%
HK$19,098
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,284/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,566
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,144
−HK$586/mo
Today · 4.125%
HK$19,730
baseline
▲ 0.50% · 4.625%
HK$20,931
+HK$1,201/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,460/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,655
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,209
−HK$562/mo
Today · 4.125%
HK$21,771
baseline
▲ 0.50% · 4.625%
HK$22,918
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,542/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,660
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,334
−HK$685/mo
Today · 4.125%
HK$23,019
baseline
▲ 0.50% · 4.625%
HK$24,419
+HK$1,400/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,038/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,097
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,743
−HK$656/mo
Today · 4.125%
HK$25,399
baseline
▲ 0.50% · 4.625%
HK$26,738
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,798/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,849
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,715
−HK$881/mo
Today · 4.125%
HK$29,596
baseline
▲ 0.50% · 4.625%
HK$31,396
+HK$1,800/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,192/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,982
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,813
−HK$843/mo
Today · 4.125%
HK$32,656
baseline
▲ 0.50% · 4.625%
HK$34,377
+HK$1,721/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,312/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,554 · 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).