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$15,463
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,944
−HK$488/mo
Today · 4.125%
HK$16,432
baseline
▲ 0.50% · 4.625%
HK$17,432
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,864/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,202
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,664
−HK$468/mo
Today · 4.125%
HK$18,132
baseline
▲ 0.50% · 4.625%
HK$19,087
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,264/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,555
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,133
−HK$586/mo
Today · 4.125%
HK$19,719
baseline
▲ 0.50% · 4.625%
HK$20,919
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,438/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,643
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,196
−HK$562/mo
Today · 4.125%
HK$21,758
baseline
▲ 0.50% · 4.625%
HK$22,905
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,516/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,648
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,321
−HK$684/mo
Today · 4.125%
HK$23,005
baseline
▲ 0.50% · 4.625%
HK$24,405
+HK$1,400/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$46,010/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,083
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,729
−HK$655/mo
Today · 4.125%
HK$25,384
baseline
▲ 0.50% · 4.625%
HK$26,722
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$50,768/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,833
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,699
−HK$879/mo
Today · 4.125%
HK$29,578
baseline
▲ 0.50% · 4.625%
HK$31,378
+HK$1,800/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,156/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,964
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,794
−HK$843/mo
Today · 4.125%
HK$32,637
baseline
▲ 0.50% · 4.625%
HK$34,357
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,274/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,436 · 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).