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$15,458
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,939
−HK$488/mo
Today · 4.125%
HK$16,427
baseline
▲ 0.50% · 4.625%
HK$17,427
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,854/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,197
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,658
−HK$468/mo
Today · 4.125%
HK$18,126
baseline
▲ 0.50% · 4.625%
HK$19,081
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,252/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,549
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,126
−HK$587/mo
Today · 4.125%
HK$19,713
baseline
▲ 0.50% · 4.625%
HK$20,912
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,426/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,636
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,189
−HK$562/mo
Today · 4.125%
HK$21,751
baseline
▲ 0.50% · 4.625%
HK$22,897
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,502/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,641
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,314
−HK$684/mo
Today · 4.125%
HK$22,998
baseline
▲ 0.50% · 4.625%
HK$24,397
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$45,996/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,075
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,721
−HK$655/mo
Today · 4.125%
HK$25,376
baseline
▲ 0.50% · 4.625%
HK$26,714
+HK$1,338/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$50,752/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,824
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,690
−HK$879/mo
Today · 4.125%
HK$29,569
baseline
▲ 0.50% · 4.625%
HK$31,368
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,138/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,954
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,784
−HK$842/mo
Today · 4.125%
HK$32,626
baseline
▲ 0.50% · 4.625%
HK$34,346
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,252/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,370 · 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).