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$15,518
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,001
−HK$490/mo
Today · 4.125%
HK$16,491
baseline
▲ 0.50% · 4.625%
HK$17,494
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,982/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,264
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,727
−HK$469/mo
Today · 4.125%
HK$18,196
baseline
▲ 0.50% · 4.625%
HK$19,155
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,392/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,621
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,201
−HK$588/mo
Today · 4.125%
HK$19,789
baseline
▲ 0.50% · 4.625%
HK$20,993
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,578/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,716
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,272
−HK$563/mo
Today · 4.125%
HK$21,835
baseline
▲ 0.50% · 4.625%
HK$22,986
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,670/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,725
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,401
−HK$686/mo
Today · 4.125%
HK$23,087
baseline
▲ 0.50% · 4.625%
HK$24,492
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,174/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,169
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,817
−HK$658/mo
Today · 4.125%
HK$25,475
baseline
▲ 0.50% · 4.625%
HK$26,818
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,950/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,932
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,801
−HK$883/mo
Today · 4.125%
HK$29,684
baseline
▲ 0.50% · 4.625%
HK$31,490
+HK$1,806/mo
Deposit HK$681K · loan HK$6.12M · min. income ≈ HK$59,368/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,074
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,908
−HK$845/mo
Today · 4.125%
HK$32,753
baseline
▲ 0.50% · 4.625%
HK$34,480
+HK$1,727/mo
Deposit HK$681K · loan HK$6.12M · min. income ≈ HK$65,506/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,161 · 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).