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$15,493
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,975
−HK$490/mo
Today · 4.125%
HK$16,465
baseline
▲ 0.50% · 4.625%
HK$17,467
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,930/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,236
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,699
−HK$469/mo
Today · 4.125%
HK$18,168
baseline
▲ 0.50% · 4.625%
HK$19,125
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,336/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,592
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,170
−HK$588/mo
Today · 4.125%
HK$19,758
baseline
▲ 0.50% · 4.625%
HK$20,960
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,516/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,684
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,238
−HK$563/mo
Today · 4.125%
HK$21,801
baseline
▲ 0.50% · 4.625%
HK$22,950
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,602/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,691
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,366
−HK$685/mo
Today · 4.125%
HK$23,051
baseline
▲ 0.50% · 4.625%
HK$24,454
+HK$1,403/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,102/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,131
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,778
−HK$657/mo
Today · 4.125%
HK$25,435
baseline
▲ 0.50% · 4.625%
HK$26,775
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,870/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,888
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,756
−HK$881/mo
Today · 4.125%
HK$29,637
baseline
▲ 0.50% · 4.625%
HK$31,440
+HK$1,803/mo
Deposit HK$679K · loan HK$6.12M · min. income ≈ HK$59,274/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,025
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,857
−HK$845/mo
Today · 4.125%
HK$32,702
baseline
▲ 0.50% · 4.625%
HK$34,425
+HK$1,723/mo
Deposit HK$679K · loan HK$6.12M · min. income ≈ HK$65,404/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,839 · 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).