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$15,520
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,003
−HK$491/mo
Today · 4.125%
HK$16,494
baseline
▲ 0.50% · 4.625%
HK$17,497
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,988/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,266
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,729
−HK$470/mo
Today · 4.125%
HK$18,199
baseline
▲ 0.50% · 4.625%
HK$19,158
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,398/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,624
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,204
−HK$588/mo
Today · 4.125%
HK$19,792
baseline
▲ 0.50% · 4.625%
HK$20,997
+HK$1,205/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,584/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,719
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,275
−HK$564/mo
Today · 4.125%
HK$21,839
baseline
▲ 0.50% · 4.625%
HK$22,990
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,678/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,728
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,404
−HK$687/mo
Today · 4.125%
HK$23,091
baseline
▲ 0.50% · 4.625%
HK$24,496
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,182/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,173
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,821
−HK$658/mo
Today · 4.125%
HK$25,479
baseline
▲ 0.50% · 4.625%
HK$26,822
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,958/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,936
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,805
−HK$883/mo
Today · 4.125%
HK$29,688
baseline
▲ 0.50% · 4.625%
HK$31,495
+HK$1,807/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,376/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,079
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,913
−HK$845/mo
Today · 4.125%
HK$32,758
baseline
▲ 0.50% · 4.625%
HK$34,485
+HK$1,727/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,516/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,191 · 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).