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$15,527
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,010
−HK$490/mo
Today · 4.125%
HK$16,500
baseline
▲ 0.50% · 4.625%
HK$17,504
+HK$1,004/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$33,000/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,273
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,736
−HK$470/mo
Today · 4.125%
HK$18,206
baseline
▲ 0.50% · 4.625%
HK$19,166
+HK$960/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,412/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,632
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,212
−HK$588/mo
Today · 4.125%
HK$19,800
baseline
▲ 0.50% · 4.625%
HK$21,005
+HK$1,205/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$39,600/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,728
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,284
−HK$564/mo
Today · 4.125%
HK$21,848
baseline
▲ 0.50% · 4.625%
HK$22,999
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$43,696/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,737
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,413
−HK$687/mo
Today · 4.125%
HK$23,100
baseline
▲ 0.50% · 4.625%
HK$24,506
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,200/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,183
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$658/mo
Today · 4.125%
HK$25,489
baseline
▲ 0.50% · 4.625%
HK$26,833
+HK$1,344/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$50,978/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,948
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,817
−HK$884/mo
Today · 4.125%
HK$29,701
baseline
▲ 0.50% · 4.625%
HK$31,508
+HK$1,807/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,402/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,092
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,926
−HK$846/mo
Today · 4.125%
HK$32,772
baseline
▲ 0.50% · 4.625%
HK$34,499
+HK$1,727/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,544/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,275 · 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).