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$15,496
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,978
−HK$490/mo
Today · 4.125%
HK$16,468
baseline
▲ 0.50% · 4.625%
HK$17,470
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,936/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,240
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,702
−HK$469/mo
Today · 4.125%
HK$18,171
baseline
▲ 0.50% · 4.625%
HK$19,129
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,342/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,596
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,174
−HK$588/mo
Today · 4.125%
HK$19,762
baseline
▲ 0.50% · 4.625%
HK$20,964
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,524/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,687
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,242
−HK$563/mo
Today · 4.125%
HK$21,805
baseline
▲ 0.50% · 4.625%
HK$22,954
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,610/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,695
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,370
−HK$685/mo
Today · 4.125%
HK$23,055
baseline
▲ 0.50% · 4.625%
HK$24,458
+HK$1,403/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,110/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,135
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,783
−HK$656/mo
Today · 4.125%
HK$25,439
baseline
▲ 0.50% · 4.625%
HK$26,780
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,878/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,893
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,761
−HK$882/mo
Today · 4.125%
HK$29,643
baseline
▲ 0.50% · 4.625%
HK$31,446
+HK$1,803/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,286/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,031
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,863
−HK$845/mo
Today · 4.125%
HK$32,708
baseline
▲ 0.50% · 4.625%
HK$34,432
+HK$1,724/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,416/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,877 · 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).