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$15,998
−HK$491/mo
Today · 4.125%
HK$16,489
baseline
▲ 0.50% · 4.625%
HK$17,492
+HK$1,003/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$204,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,261
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,724
−HK$470/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$204,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,619
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,198
−HK$588/mo
Today · 4.125%
HK$19,786
baseline
▲ 0.50% · 4.625%
HK$20,990
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,572/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,713
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,269
−HK$563/mo
Today · 4.125%
HK$21,832
baseline
▲ 0.50% · 4.625%
HK$22,983
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,664/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,722
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,398
−HK$686/mo
Today · 4.125%
HK$23,084
baseline
▲ 0.50% · 4.625%
HK$24,489
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,168/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,165
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,814
−HK$657/mo
Today · 4.125%
HK$25,471
baseline
▲ 0.50% · 4.625%
HK$26,814
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,942/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,928
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,797
−HK$883/mo
Today · 4.125%
HK$29,680
baseline
▲ 0.50% · 4.625%
HK$31,486
+HK$1,806/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,360/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,070
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,903
−HK$846/mo
Today · 4.125%
HK$32,749
baseline
▲ 0.50% · 4.625%
HK$34,475
+HK$1,726/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,498/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,131 · 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).