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$15,515
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,998
−HK$490/mo
Today · 4.125%
HK$16,488
baseline
▲ 0.50% · 4.625%
HK$17,491
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,976/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,260
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,723
−HK$470/mo
Today · 4.125%
HK$18,193
baseline
▲ 0.50% · 4.625%
HK$19,152
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,386/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,618
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,197
−HK$589/mo
Today · 4.125%
HK$19,786
baseline
▲ 0.50% · 4.625%
HK$20,990
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,572/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,713
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,268
−HK$564/mo
Today · 4.125%
HK$21,832
baseline
▲ 0.50% · 4.625%
HK$22,982
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,664/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,721
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,397
−HK$686/mo
Today · 4.125%
HK$23,083
baseline
▲ 0.50% · 4.625%
HK$24,488
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,166/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,165
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,813
−HK$657/mo
Today · 4.125%
HK$25,470
baseline
▲ 0.50% · 4.625%
HK$26,813
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,940/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,927
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,796
−HK$883/mo
Today · 4.125%
HK$29,679
baseline
▲ 0.50% · 4.625%
HK$31,485
+HK$1,806/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,358/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,069
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,902
−HK$845/mo
Today · 4.125%
HK$32,747
baseline
▲ 0.50% · 4.625%
HK$34,474
+HK$1,727/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,494/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,125 · 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).