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$15,521
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,004
−HK$491/mo
Today · 4.125%
HK$16,495
baseline
▲ 0.50% · 4.625%
HK$17,498
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,990/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,267
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,730
−HK$470/mo
Today · 4.125%
HK$18,200
baseline
▲ 0.50% · 4.625%
HK$19,159
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,400/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,625
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,205
−HK$588/mo
Today · 4.125%
HK$19,793
baseline
▲ 0.50% · 4.625%
HK$20,998
+HK$1,205/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,586/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,721
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,276
−HK$564/mo
Today · 4.125%
HK$21,840
baseline
▲ 0.50% · 4.625%
HK$22,991
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,680/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,730
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,406
−HK$686/mo
Today · 4.125%
HK$23,092
baseline
▲ 0.50% · 4.625%
HK$24,497
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,184/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,174
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,822
−HK$658/mo
Today · 4.125%
HK$25,480
baseline
▲ 0.50% · 4.625%
HK$26,823
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,960/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,938
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,807
−HK$883/mo
Today · 4.125%
HK$29,690
baseline
▲ 0.50% · 4.625%
HK$31,497
+HK$1,807/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,380/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,081
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,915
−HK$845/mo
Today · 4.125%
HK$32,760
baseline
▲ 0.50% · 4.625%
HK$34,487
+HK$1,727/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,520/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,204 · 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).