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$15,474
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,955
−HK$489/mo
Today · 4.125%
HK$16,444
baseline
▲ 0.50% · 4.625%
HK$17,445
+HK$1,001/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,888/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,214
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,676
−HK$468/mo
Today · 4.125%
HK$18,144
baseline
▲ 0.50% · 4.625%
HK$19,101
+HK$957/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,288/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,569
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,146
−HK$587/mo
Today · 4.125%
HK$19,733
baseline
▲ 0.50% · 4.625%
HK$20,934
+HK$1,201/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,466/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,657
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,211
−HK$562/mo
Today · 4.125%
HK$21,773
baseline
▲ 0.50% · 4.625%
HK$22,921
+HK$1,148/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,546/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,663
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,337
−HK$685/mo
Today · 4.125%
HK$23,022
baseline
▲ 0.50% · 4.625%
HK$24,423
+HK$1,401/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,044/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,100
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,747
−HK$655/mo
Today · 4.125%
HK$25,402
baseline
▲ 0.50% · 4.625%
HK$26,741
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,804/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,853
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,719
−HK$880/mo
Today · 4.125%
HK$29,599
baseline
▲ 0.50% · 4.625%
HK$31,400
+HK$1,801/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,198/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,986
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,817
−HK$843/mo
Today · 4.125%
HK$32,660
baseline
▲ 0.50% · 4.625%
HK$34,382
+HK$1,722/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,320/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,580 · 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).