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$15,522
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,005
−HK$490/mo
Today · 4.125%
HK$16,495
baseline
▲ 0.50% · 4.625%
HK$17,499
+HK$1,004/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$204,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,268
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,731
−HK$470/mo
Today · 4.125%
HK$18,201
baseline
▲ 0.50% · 4.625%
HK$19,160
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,402/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,626
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,206
−HK$588/mo
Today · 4.125%
HK$19,794
baseline
▲ 0.50% · 4.625%
HK$20,999
+HK$1,205/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,588/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,722
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,277
−HK$564/mo
Today · 4.125%
HK$21,841
baseline
▲ 0.50% · 4.625%
HK$22,993
+HK$1,152/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,682/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,731
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,407
−HK$687/mo
Today · 4.125%
HK$23,094
baseline
▲ 0.50% · 4.625%
HK$24,499
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,188/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,175
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,824
−HK$657/mo
Today · 4.125%
HK$25,481
baseline
▲ 0.50% · 4.625%
HK$26,825
+HK$1,344/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,962/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,940
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,809
−HK$883/mo
Today · 4.125%
HK$29,692
baseline
▲ 0.50% · 4.625%
HK$31,498
+HK$1,806/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,384/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,083
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,916
−HK$846/mo
Today · 4.125%
HK$32,762
baseline
▲ 0.50% · 4.625%
HK$34,489
+HK$1,727/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,524/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,214 · 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).