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$15,505
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,987
−HK$490/mo
Today · 4.125%
HK$16,477
baseline
▲ 0.50% · 4.625%
HK$17,480
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,954/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,249
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,712
−HK$469/mo
Today · 4.125%
HK$18,181
baseline
▲ 0.50% · 4.625%
HK$19,139
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,362/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,606
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,185
−HK$588/mo
Today · 4.125%
HK$19,773
baseline
▲ 0.50% · 4.625%
HK$20,976
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,546/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,699
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,254
−HK$563/mo
Today · 4.125%
HK$21,817
baseline
▲ 0.50% · 4.625%
HK$22,967
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,634/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,707
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,382
−HK$686/mo
Today · 4.125%
HK$23,068
baseline
▲ 0.50% · 4.625%
HK$24,472
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,136/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,149
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,796
−HK$657/mo
Today · 4.125%
HK$25,453
baseline
▲ 0.50% · 4.625%
HK$26,795
+HK$1,342/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,906/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,909
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,777
−HK$882/mo
Today · 4.125%
HK$29,659
baseline
▲ 0.50% · 4.625%
HK$31,464
+HK$1,805/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,318/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,048
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,881
−HK$845/mo
Today · 4.125%
HK$32,726
baseline
▲ 0.50% · 4.625%
HK$34,451
+HK$1,725/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,452/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,990 · 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).