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$15,514
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,997
−HK$490/mo
Today · 4.125%
HK$16,487
baseline
▲ 0.50% · 4.625%
HK$17,490
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,974/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,260
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,722
−HK$470/mo
Today · 4.125%
HK$18,192
baseline
▲ 0.50% · 4.625%
HK$19,151
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,384/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,617
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,196
−HK$589/mo
Today · 4.125%
HK$19,785
baseline
▲ 0.50% · 4.625%
HK$20,988
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,570/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,711
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,267
−HK$563/mo
Today · 4.125%
HK$21,830
baseline
▲ 0.50% · 4.625%
HK$22,981
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,660/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,720
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,396
−HK$686/mo
Today · 4.125%
HK$23,082
baseline
▲ 0.50% · 4.625%
HK$24,487
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,164/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,163
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,811
−HK$658/mo
Today · 4.125%
HK$25,469
baseline
▲ 0.50% · 4.625%
HK$26,811
+HK$1,342/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,938/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,926
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,794
−HK$883/mo
Today · 4.125%
HK$29,677
baseline
▲ 0.50% · 4.625%
HK$31,483
+HK$1,806/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,354/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,067
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,900
−HK$846/mo
Today · 4.125%
HK$32,746
baseline
▲ 0.50% · 4.625%
HK$34,472
+HK$1,726/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,492/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,113 · 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).