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$15,489
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,971
−HK$490/mo
Today · 4.125%
HK$16,461
baseline
▲ 0.50% · 4.625%
HK$17,462
+HK$1,001/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,922/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,232
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,694
−HK$469/mo
Today · 4.125%
HK$18,163
baseline
▲ 0.50% · 4.625%
HK$19,120
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,326/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,587
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,165
−HK$588/mo
Today · 4.125%
HK$19,753
baseline
▲ 0.50% · 4.625%
HK$20,955
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,506/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,678
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,233
−HK$562/mo
Today · 4.125%
HK$21,795
baseline
▲ 0.50% · 4.625%
HK$22,944
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,590/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,685
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,359
−HK$686/mo
Today · 4.125%
HK$23,045
baseline
▲ 0.50% · 4.625%
HK$24,447
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,090/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,124
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,771
−HK$657/mo
Today · 4.125%
HK$25,428
baseline
▲ 0.50% · 4.625%
HK$26,768
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,856/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,881
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,748
−HK$881/mo
Today · 4.125%
HK$29,629
baseline
▲ 0.50% · 4.625%
HK$31,432
+HK$1,803/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,258/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,017
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,849
−HK$844/mo
Today · 4.125%
HK$32,693
baseline
▲ 0.50% · 4.625%
HK$34,416
+HK$1,723/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,386/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,783 · 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).