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$15,509
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,991
−HK$490/mo
Today · 4.125%
HK$16,481
baseline
▲ 0.50% · 4.625%
HK$17,484
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,962/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$204,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,253
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,716
−HK$469/mo
Today · 4.125%
HK$18,185
baseline
▲ 0.50% · 4.625%
HK$19,144
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,370/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$204,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,610
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,189
−HK$588/mo
Today · 4.125%
HK$19,777
baseline
▲ 0.50% · 4.625%
HK$20,981
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,554/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$204,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,704
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,259
−HK$563/mo
Today · 4.125%
HK$21,822
baseline
▲ 0.50% · 4.625%
HK$22,973
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,644/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$204,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,712
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,387
−HK$687/mo
Today · 4.125%
HK$23,074
baseline
▲ 0.50% · 4.625%
HK$24,478
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,148/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,154
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,802
−HK$657/mo
Today · 4.125%
HK$25,459
baseline
▲ 0.50% · 4.625%
HK$26,801
+HK$1,342/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,918/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,915
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,784
−HK$882/mo
Today · 4.125%
HK$29,666
baseline
▲ 0.50% · 4.625%
HK$31,471
+HK$1,805/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,332/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,056
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,889
−HK$845/mo
Today · 4.125%
HK$32,734
baseline
▲ 0.50% · 4.625%
HK$34,459
+HK$1,725/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,468/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,038 · 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).