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$15,509
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,991
−HK$490/mo
Today · 4.125%
HK$16,481
baseline
▲ 0.50% · 4.625%
HK$17,484
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,962/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$204,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,253
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,716
−HK$470/mo
Today · 4.125%
HK$18,186
baseline
▲ 0.50% · 4.625%
HK$19,144
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,372/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$204,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,611
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,189
−HK$589/mo
Today · 4.125%
HK$19,778
baseline
▲ 0.50% · 4.625%
HK$20,981
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,556/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$204,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,704
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,259
−HK$564/mo
Today · 4.125%
HK$21,823
baseline
▲ 0.50% · 4.625%
HK$22,973
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,646/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$204,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,712
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,388
−HK$686/mo
Today · 4.125%
HK$23,074
baseline
▲ 0.50% · 4.625%
HK$24,478
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,148/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,155
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,803
−HK$657/mo
Today · 4.125%
HK$25,460
baseline
▲ 0.50% · 4.625%
HK$26,802
+HK$1,342/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,920/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,916
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,784
−HK$882/mo
Today · 4.125%
HK$29,666
baseline
▲ 0.50% · 4.625%
HK$31,472
+HK$1,806/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,332/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,056
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,889
−HK$845/mo
Today · 4.125%
HK$32,734
baseline
▲ 0.50% · 4.625%
HK$34,459
+HK$1,725/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,468/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,041 · 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).