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$15,507
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,989
−HK$490/mo
Today · 4.125%
HK$16,479
baseline
▲ 0.50% · 4.625%
HK$17,482
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,958/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$204,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,251
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,714
−HK$469/mo
Today · 4.125%
HK$18,183
baseline
▲ 0.50% · 4.625%
HK$19,142
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,366/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$204,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,608
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,187
−HK$588/mo
Today · 4.125%
HK$19,775
baseline
▲ 0.50% · 4.625%
HK$20,978
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,550/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$204,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,701
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,257
−HK$563/mo
Today · 4.125%
HK$21,820
baseline
▲ 0.50% · 4.625%
HK$22,970
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,640/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$204,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,709
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,385
−HK$686/mo
Today · 4.125%
HK$23,071
baseline
▲ 0.50% · 4.625%
HK$24,475
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,142/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,152
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,799
−HK$657/mo
Today · 4.125%
HK$25,456
baseline
▲ 0.50% · 4.625%
HK$26,798
+HK$1,342/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,912/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,912
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,780
−HK$882/mo
Today · 4.125%
HK$29,662
baseline
▲ 0.50% · 4.625%
HK$31,467
+HK$1,805/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,324/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,052
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,885
−HK$845/mo
Today · 4.125%
HK$32,730
baseline
▲ 0.50% · 4.625%
HK$34,455
+HK$1,725/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,460/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,014 · 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).