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$15,519
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,001
−HK$491/mo
Today · 4.125%
HK$16,492
baseline
▲ 0.50% · 4.625%
HK$17,495
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,984/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,264
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,727
−HK$470/mo
Today · 4.125%
HK$18,197
baseline
▲ 0.50% · 4.625%
HK$19,156
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,394/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,622
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,202
−HK$588/mo
Today · 4.125%
HK$19,790
baseline
▲ 0.50% · 4.625%
HK$20,994
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,580/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,717
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,273
−HK$564/mo
Today · 4.125%
HK$21,837
baseline
▲ 0.50% · 4.625%
HK$22,988
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,674/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,726
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,402
−HK$687/mo
Today · 4.125%
HK$23,089
baseline
▲ 0.50% · 4.625%
HK$24,493
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,178/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,170
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,818
−HK$658/mo
Today · 4.125%
HK$25,476
baseline
▲ 0.50% · 4.625%
HK$26,819
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,952/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,934
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,803
−HK$882/mo
Today · 4.125%
HK$29,685
baseline
▲ 0.50% · 4.625%
HK$31,492
+HK$1,807/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,370/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,076
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,909
−HK$846/mo
Today · 4.125%
HK$32,755
baseline
▲ 0.50% · 4.625%
HK$34,481
+HK$1,726/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,510/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,171 · 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).