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$203,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,215
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,676
−HK$469/mo
Today · 4.125%
HK$18,145
baseline
▲ 0.50% · 4.625%
HK$19,101
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,290/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,584 · 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$203,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,658
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,212
−HK$562/mo
Today · 4.125%
HK$21,774
baseline
▲ 0.50% · 4.625%
HK$22,921
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,548/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,664
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,338
−HK$684/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$203,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,101
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,747
−HK$656/mo
Today · 4.125%
HK$25,403
baseline
▲ 0.50% · 4.625%
HK$26,742
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,806/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,853
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,720
−HK$880/mo
Today · 4.125%
HK$29,600
baseline
▲ 0.50% · 4.625%
HK$31,401
+HK$1,801/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,200/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,987
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,818
−HK$843/mo
Today · 4.125%
HK$32,661
baseline
▲ 0.50% · 4.625%
HK$34,382
+HK$1,721/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,322/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,584 · 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).