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$15,490
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,972
−HK$490/mo
Today · 4.125%
HK$16,462
baseline
▲ 0.50% · 4.625%
HK$17,463
+HK$1,001/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,924/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,233
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,695
−HK$469/mo
Today · 4.125%
HK$18,164
baseline
▲ 0.50% · 4.625%
HK$19,121
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,328/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,588
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,166
−HK$588/mo
Today · 4.125%
HK$19,754
baseline
▲ 0.50% · 4.625%
HK$20,956
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,508/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,679
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,234
−HK$562/mo
Today · 4.125%
HK$21,796
baseline
▲ 0.50% · 4.625%
HK$22,945
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,592/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,686
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,361
−HK$685/mo
Today · 4.125%
HK$23,046
baseline
▲ 0.50% · 4.625%
HK$24,448
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,092/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,126
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,773
−HK$656/mo
Today · 4.125%
HK$25,429
baseline
▲ 0.50% · 4.625%
HK$26,770
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,858/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,882
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,750
−HK$881/mo
Today · 4.125%
HK$29,631
baseline
▲ 0.50% · 4.625%
HK$31,434
+HK$1,803/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,262/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,019
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,851
−HK$844/mo
Today · 4.125%
HK$32,695
baseline
▲ 0.50% · 4.625%
HK$34,418
+HK$1,723/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,390/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,796 · 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).