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$15,519
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,002
−HK$491/mo
Today · 4.125%
HK$16,493
baseline
▲ 0.50% · 4.625%
HK$17,496
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,986/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,265
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,728
−HK$470/mo
Today · 4.125%
HK$18,198
baseline
▲ 0.50% · 4.625%
HK$19,157
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,396/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,623
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,203
−HK$588/mo
Today · 4.125%
HK$19,791
baseline
▲ 0.50% · 4.625%
HK$20,995
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,582/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,718
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,274
−HK$564/mo
Today · 4.125%
HK$21,838
baseline
▲ 0.50% · 4.625%
HK$22,989
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,676/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,727
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,403
−HK$687/mo
Today · 4.125%
HK$23,090
baseline
▲ 0.50% · 4.625%
HK$24,495
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,180/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,171
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,820
−HK$657/mo
Today · 4.125%
HK$25,477
baseline
▲ 0.50% · 4.625%
HK$26,820
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,954/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,935
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,804
−HK$883/mo
Today · 4.125%
HK$29,687
baseline
▲ 0.50% · 4.625%
HK$31,493
+HK$1,806/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,374/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,077
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,911
−HK$845/mo
Today · 4.125%
HK$32,756
baseline
▲ 0.50% · 4.625%
HK$34,483
+HK$1,727/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,512/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,181 · 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).