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$15,490
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,972
−HK$490/mo
Today · 4.125%
HK$16,462
baseline
▲ 0.50% · 4.625%
HK$17,463
+HK$1,001/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,924/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,233
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,695
−HK$469/mo
Today · 4.125%
HK$18,164
baseline
▲ 0.50% · 4.625%
HK$19,121
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,328/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,588
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,167
−HK$587/mo
Today · 4.125%
HK$19,754
baseline
▲ 0.50% · 4.625%
HK$20,956
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,508/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,680
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,234
−HK$563/mo
Today · 4.125%
HK$21,797
baseline
▲ 0.50% · 4.625%
HK$22,946
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,594/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,687
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,361
−HK$686/mo
Today · 4.125%
HK$23,047
baseline
▲ 0.50% · 4.625%
HK$24,449
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,094/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,126
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,773
−HK$657/mo
Today · 4.125%
HK$25,430
baseline
▲ 0.50% · 4.625%
HK$26,770
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,860/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,883
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,750
−HK$881/mo
Today · 4.125%
HK$29,631
baseline
▲ 0.50% · 4.625%
HK$31,434
+HK$1,803/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,262/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,019
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,851
−HK$844/mo
Today · 4.125%
HK$32,695
baseline
▲ 0.50% · 4.625%
HK$34,419
+HK$1,724/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,390/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,799 · 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).