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$15,484
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,966
−HK$489/mo
Today · 4.125%
HK$16,455
baseline
▲ 0.50% · 4.625%
HK$17,457
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,910/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,226
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,688
−HK$469/mo
Today · 4.125%
HK$18,157
baseline
▲ 0.50% · 4.625%
HK$19,114
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,314/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,581
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,159
−HK$587/mo
Today · 4.125%
HK$19,746
baseline
▲ 0.50% · 4.625%
HK$20,948
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$39,492/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,671
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,226
−HK$562/mo
Today · 4.125%
HK$21,788
baseline
▲ 0.50% · 4.625%
HK$22,937
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$43,576/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,678
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,352
−HK$685/mo
Today · 4.125%
HK$23,037
baseline
▲ 0.50% · 4.625%
HK$24,439
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,074/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,117
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,763
−HK$657/mo
Today · 4.125%
HK$25,420
baseline
▲ 0.50% · 4.625%
HK$26,759
+HK$1,339/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,840/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,872
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,739
−HK$881/mo
Today · 4.125%
HK$29,620
baseline
▲ 0.50% · 4.625%
HK$31,422
+HK$1,802/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,240/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,007
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,839
−HK$843/mo
Today · 4.125%
HK$32,682
baseline
▲ 0.50% · 4.625%
HK$34,405
+HK$1,723/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,364/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,719 · 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).