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$15,518
−HK$974/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$204,167 · 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$204,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,622
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,201
−HK$589/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$204,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,717
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,273
−HK$563/mo
Today · 4.125%
HK$21,836
baseline
▲ 0.50% · 4.625%
HK$22,987
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,672/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,726
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,402
−HK$686/mo
Today · 4.125%
HK$23,088
baseline
▲ 0.50% · 4.625%
HK$24,493
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,176/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,167 · 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$26,818
+HK$1,342/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$204,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,933
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,802
−HK$883/mo
Today · 4.125%
HK$29,685
baseline
▲ 0.50% · 4.625%
HK$31,491
+HK$1,806/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$204,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,075
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,909
−HK$845/mo
Today · 4.125%
HK$32,754
baseline
▲ 0.50% · 4.625%
HK$34,481
+HK$1,727/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,508/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,167 · 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).