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$15,528
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,011
−HK$491/mo
Today · 4.125%
HK$16,502
baseline
▲ 0.50% · 4.625%
HK$17,506
+HK$1,004/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$33,004/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,275
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,738
−HK$470/mo
Today · 4.125%
HK$18,208
baseline
▲ 0.50% · 4.625%
HK$19,168
+HK$960/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,416/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,634
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,214
−HK$588/mo
Today · 4.125%
HK$19,802
baseline
▲ 0.50% · 4.625%
HK$21,007
+HK$1,205/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$39,604/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,730
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,286
−HK$564/mo
Today · 4.125%
HK$21,850
baseline
▲ 0.50% · 4.625%
HK$23,002
+HK$1,152/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$43,700/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,740
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,416
−HK$687/mo
Today · 4.125%
HK$23,103
baseline
▲ 0.50% · 4.625%
HK$24,509
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,206/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,185
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,834
−HK$658/mo
Today · 4.125%
HK$25,492
baseline
▲ 0.50% · 4.625%
HK$26,835
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$50,984/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,951
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,820
−HK$884/mo
Today · 4.125%
HK$29,704
baseline
▲ 0.50% · 4.625%
HK$31,511
+HK$1,807/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,408/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,095
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,929
−HK$846/mo
Today · 4.125%
HK$32,775
baseline
▲ 0.50% · 4.625%
HK$34,503
+HK$1,728/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,550/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,297 · 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).