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$15,485
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,967
−HK$489/mo
Today · 4.125%
HK$16,456
baseline
▲ 0.50% · 4.625%
HK$17,458
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,912/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,227
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,689
−HK$469/mo
Today · 4.125%
HK$18,158
baseline
▲ 0.50% · 4.625%
HK$19,115
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,316/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,582
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,160
−HK$588/mo
Today · 4.125%
HK$19,748
baseline
▲ 0.50% · 4.625%
HK$20,949
+HK$1,201/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$39,496/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,673
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,227
−HK$563/mo
Today · 4.125%
HK$21,790
baseline
▲ 0.50% · 4.625%
HK$22,938
+HK$1,148/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$43,580/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,680
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,354
−HK$685/mo
Today · 4.125%
HK$23,039
baseline
▲ 0.50% · 4.625%
HK$24,441
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,078/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,118
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,765
−HK$656/mo
Today · 4.125%
HK$25,421
baseline
▲ 0.50% · 4.625%
HK$26,761
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,842/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,874
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,741
−HK$881/mo
Today · 4.125%
HK$29,622
baseline
▲ 0.50% · 4.625%
HK$31,424
+HK$1,802/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,244/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,009
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,841
−HK$843/mo
Today · 4.125%
HK$32,684
baseline
▲ 0.50% · 4.625%
HK$34,407
+HK$1,723/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,368/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,732 · 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).