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$15,516
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,999
−HK$490/mo
Today · 4.125%
HK$16,489
baseline
▲ 0.50% · 4.625%
HK$17,493
+HK$1,004/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,978/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,262
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,725
−HK$469/mo
Today · 4.125%
HK$18,194
baseline
▲ 0.50% · 4.625%
HK$19,153
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,388/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,620
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,199
−HK$588/mo
Today · 4.125%
HK$19,787
baseline
▲ 0.50% · 4.625%
HK$20,991
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,574/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,714
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,270
−HK$563/mo
Today · 4.125%
HK$21,833
baseline
▲ 0.50% · 4.625%
HK$22,984
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,666/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,723
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,398
−HK$687/mo
Today · 4.125%
HK$23,085
baseline
▲ 0.50% · 4.625%
HK$24,490
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,170/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,166
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,814
−HK$658/mo
Today · 4.125%
HK$25,472
baseline
▲ 0.50% · 4.625%
HK$26,815
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,944/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,929
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,798
−HK$883/mo
Today · 4.125%
HK$29,681
baseline
▲ 0.50% · 4.625%
HK$31,487
+HK$1,806/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,362/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,071
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,904
−HK$846/mo
Today · 4.125%
HK$32,750
baseline
▲ 0.50% · 4.625%
HK$34,476
+HK$1,726/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,500/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,139 · 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).