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$15,479
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,960
−HK$489/mo
Today · 4.125%
HK$16,449
baseline
▲ 0.50% · 4.625%
HK$17,450
+HK$1,001/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,898/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,220
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,682
−HK$468/mo
Today · 4.125%
HK$18,150
baseline
▲ 0.50% · 4.625%
HK$19,107
+HK$957/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,300/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,574
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,152
−HK$587/mo
Today · 4.125%
HK$19,739
baseline
▲ 0.50% · 4.625%
HK$20,940
+HK$1,201/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$39,478/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,664
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,218
−HK$562/mo
Today · 4.125%
HK$21,780
baseline
▲ 0.50% · 4.625%
HK$22,928
+HK$1,148/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$43,560/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,670
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,344
−HK$685/mo
Today · 4.125%
HK$23,029
baseline
▲ 0.50% · 4.625%
HK$24,430
+HK$1,401/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,058/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,108
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,754
−HK$656/mo
Today · 4.125%
HK$25,410
baseline
▲ 0.50% · 4.625%
HK$26,750
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,820/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,862
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,728
−HK$881/mo
Today · 4.125%
HK$29,609
baseline
▲ 0.50% · 4.625%
HK$31,410
+HK$1,801/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,218/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,996
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,827
−HK$843/mo
Today · 4.125%
HK$32,670
baseline
▲ 0.50% · 4.625%
HK$34,392
+HK$1,722/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,340/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,644 · 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).