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$15,487
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,968
−HK$490/mo
Today · 4.125%
HK$16,458
baseline
▲ 0.50% · 4.625%
HK$17,459
+HK$1,001/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,916/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,229
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,691
−HK$468/mo
Today · 4.125%
HK$18,159
baseline
▲ 0.50% · 4.625%
HK$19,117
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,318/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,584
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,162
−HK$587/mo
Today · 4.125%
HK$19,749
baseline
▲ 0.50% · 4.625%
HK$20,951
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$39,498/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,674
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,229
−HK$562/mo
Today · 4.125%
HK$21,791
baseline
▲ 0.50% · 4.625%
HK$22,940
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$43,582/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,681
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,356
−HK$685/mo
Today · 4.125%
HK$23,041
baseline
▲ 0.50% · 4.625%
HK$24,443
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,082/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,120
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,767
−HK$656/mo
Today · 4.125%
HK$25,423
baseline
▲ 0.50% · 4.625%
HK$26,763
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,846/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,876
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,743
−HK$881/mo
Today · 4.125%
HK$29,624
baseline
▲ 0.50% · 4.625%
HK$31,426
+HK$1,802/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,248/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,011
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,843
−HK$844/mo
Today · 4.125%
HK$32,687
baseline
▲ 0.50% · 4.625%
HK$34,410
+HK$1,723/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,374/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,748 · 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).