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$15,480
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,962
−HK$489/mo
Today · 4.125%
HK$16,451
baseline
▲ 0.50% · 4.625%
HK$17,452
+HK$1,001/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,902/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,221
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,683
−HK$469/mo
Today · 4.125%
HK$18,152
baseline
▲ 0.50% · 4.625%
HK$19,109
+HK$957/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,304/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,576
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,154
−HK$587/mo
Today · 4.125%
HK$19,741
baseline
▲ 0.50% · 4.625%
HK$20,942
+HK$1,201/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$39,482/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,666
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,220
−HK$562/mo
Today · 4.125%
HK$21,782
baseline
▲ 0.50% · 4.625%
HK$22,930
+HK$1,148/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$43,564/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,672
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,346
−HK$685/mo
Today · 4.125%
HK$23,031
baseline
▲ 0.50% · 4.625%
HK$24,433
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,062/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,110
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,757
−HK$656/mo
Today · 4.125%
HK$25,413
baseline
▲ 0.50% · 4.625%
HK$26,752
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,826/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,864
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,731
−HK$880/mo
Today · 4.125%
HK$29,611
baseline
▲ 0.50% · 4.625%
HK$31,413
+HK$1,802/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,222/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,999
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,830
−HK$843/mo
Today · 4.125%
HK$32,673
baseline
▲ 0.50% · 4.625%
HK$34,396
+HK$1,723/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,346/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,663 · 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).