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$15,460
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,941
−HK$488/mo
Today · 4.125%
HK$16,429
baseline
▲ 0.50% · 4.625%
HK$17,429
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,858/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,199
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,660
−HK$468/mo
Today · 4.125%
HK$18,128
baseline
▲ 0.50% · 4.625%
HK$19,084
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,256/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,552
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,129
−HK$586/mo
Today · 4.125%
HK$19,715
baseline
▲ 0.50% · 4.625%
HK$20,915
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,430/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,639
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,192
−HK$562/mo
Today · 4.125%
HK$21,754
baseline
▲ 0.50% · 4.625%
HK$22,900
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,508/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,644
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,317
−HK$684/mo
Today · 4.125%
HK$23,001
baseline
▲ 0.50% · 4.625%
HK$24,400
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$46,002/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,078
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,724
−HK$655/mo
Today · 4.125%
HK$25,379
baseline
▲ 0.50% · 4.625%
HK$26,717
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$50,758/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,828
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,693
−HK$880/mo
Today · 4.125%
HK$29,573
baseline
▲ 0.50% · 4.625%
HK$31,372
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,146/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,958
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,788
−HK$842/mo
Today · 4.125%
HK$32,630
baseline
▲ 0.50% · 4.625%
HK$34,350
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,260/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,396 · 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).