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$15,501
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,983
−HK$490/mo
Today · 4.125%
HK$16,473
baseline
▲ 0.50% · 4.625%
HK$17,475
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,946/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,245
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,707
−HK$469/mo
Today · 4.125%
HK$18,176
baseline
▲ 0.50% · 4.625%
HK$19,134
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,352/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,601
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,180
−HK$588/mo
Today · 4.125%
HK$19,768
baseline
▲ 0.50% · 4.625%
HK$20,970
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,536/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,694
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,249
−HK$563/mo
Today · 4.125%
HK$21,812
baseline
▲ 0.50% · 4.625%
HK$22,961
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,624/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,701
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,376
−HK$686/mo
Today · 4.125%
HK$23,062
baseline
▲ 0.50% · 4.625%
HK$24,465
+HK$1,403/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,124/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,142
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,790
−HK$657/mo
Today · 4.125%
HK$25,447
baseline
▲ 0.50% · 4.625%
HK$26,788
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,894/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,902
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,770
−HK$881/mo
Today · 4.125%
HK$29,651
baseline
▲ 0.50% · 4.625%
HK$31,456
+HK$1,805/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,302/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,040
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,873
−HK$844/mo
Today · 4.125%
HK$32,717
baseline
▲ 0.50% · 4.625%
HK$34,442
+HK$1,725/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,434/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,937 · 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).