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$15,504
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,986
−HK$490/mo
Today · 4.125%
HK$16,476
baseline
▲ 0.50% · 4.625%
HK$17,479
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,952/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,248
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,711
−HK$469/mo
Today · 4.125%
HK$18,180
baseline
▲ 0.50% · 4.625%
HK$19,138
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,360/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,605
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,183
−HK$588/mo
Today · 4.125%
HK$19,771
baseline
▲ 0.50% · 4.625%
HK$20,974
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,542/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,698
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,253
−HK$563/mo
Today · 4.125%
HK$21,816
baseline
▲ 0.50% · 4.625%
HK$22,966
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,632/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,705
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,381
−HK$686/mo
Today · 4.125%
HK$23,067
baseline
▲ 0.50% · 4.625%
HK$24,470
+HK$1,403/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,134/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,147
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,795
−HK$657/mo
Today · 4.125%
HK$25,452
baseline
▲ 0.50% · 4.625%
HK$26,793
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,904/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,907
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,775
−HK$882/mo
Today · 4.125%
HK$29,657
baseline
▲ 0.50% · 4.625%
HK$31,462
+HK$1,805/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,314/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,046
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,879
−HK$845/mo
Today · 4.125%
HK$32,724
baseline
▲ 0.50% · 4.625%
HK$34,449
+HK$1,725/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,448/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,976 · 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).