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$15,499
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,981
−HK$490/mo
Today · 4.125%
HK$16,471
baseline
▲ 0.50% · 4.625%
HK$17,473
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,942/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,243
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,705
−HK$469/mo
Today · 4.125%
HK$18,174
baseline
▲ 0.50% · 4.625%
HK$19,132
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,348/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,599
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,177
−HK$588/mo
Today · 4.125%
HK$19,765
baseline
▲ 0.50% · 4.625%
HK$20,968
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,530/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,691
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,246
−HK$563/mo
Today · 4.125%
HK$21,809
baseline
▲ 0.50% · 4.625%
HK$22,959
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,618/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,699
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,374
−HK$685/mo
Today · 4.125%
HK$23,059
baseline
▲ 0.50% · 4.625%
HK$24,463
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,118/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,140
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,787
−HK$657/mo
Today · 4.125%
HK$25,444
baseline
▲ 0.50% · 4.625%
HK$26,785
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,888/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,898
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,766
−HK$882/mo
Today · 4.125%
HK$29,648
baseline
▲ 0.50% · 4.625%
HK$31,452
+HK$1,804/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,296/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,037
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,869
−HK$844/mo
Today · 4.125%
HK$32,713
baseline
▲ 0.50% · 4.625%
HK$34,438
+HK$1,725/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,426/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,913 · 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).