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$15,451
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,932
−HK$488/mo
Today · 4.125%
HK$16,420
baseline
▲ 0.50% · 4.625%
HK$17,420
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,840/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,190
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,651
−HK$467/mo
Today · 4.125%
HK$18,118
baseline
▲ 0.50% · 4.625%
HK$19,073
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,236/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,542
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,119
−HK$585/mo
Today · 4.125%
HK$19,704
baseline
▲ 0.50% · 4.625%
HK$20,903
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,408/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,628
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,181
−HK$561/mo
Today · 4.125%
HK$21,742
baseline
▲ 0.50% · 4.625%
HK$22,888
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,484/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,632
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,305
−HK$684/mo
Today · 4.125%
HK$22,989
baseline
▲ 0.50% · 4.625%
HK$24,387
+HK$1,398/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,978/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,065
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,711
−HK$655/mo
Today · 4.125%
HK$25,366
baseline
▲ 0.50% · 4.625%
HK$26,703
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,732/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,813
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,678
−HK$879/mo
Today · 4.125%
HK$29,557
baseline
▲ 0.50% · 4.625%
HK$31,355
+HK$1,798/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,114/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,941
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,771
−HK$842/mo
Today · 4.125%
HK$32,613
baseline
▲ 0.50% · 4.625%
HK$34,332
+HK$1,719/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,226/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,286 · 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).