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$15,528
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,011
−HK$490/mo
Today · 4.125%
HK$16,501
baseline
▲ 0.50% · 4.625%
HK$17,505
+HK$1,004/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$33,002/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,274
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,738
−HK$470/mo
Today · 4.125%
HK$18,208
baseline
▲ 0.50% · 4.625%
HK$19,167
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,416/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,633
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,213
−HK$589/mo
Today · 4.125%
HK$19,802
baseline
▲ 0.50% · 4.625%
HK$21,006
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$39,604/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,729
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,285
−HK$564/mo
Today · 4.125%
HK$21,849
baseline
▲ 0.50% · 4.625%
HK$23,001
+HK$1,152/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$43,698/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,739
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,415
−HK$687/mo
Today · 4.125%
HK$23,102
baseline
▲ 0.50% · 4.625%
HK$24,507
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,204/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,184
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,833
−HK$658/mo
Today · 4.125%
HK$25,491
baseline
▲ 0.50% · 4.625%
HK$26,834
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$50,982/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,950
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,819
−HK$883/mo
Today · 4.125%
HK$29,702
baseline
▲ 0.50% · 4.625%
HK$31,510
+HK$1,808/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,404/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,094
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,928
−HK$846/mo
Today · 4.125%
HK$32,774
baseline
▲ 0.50% · 4.625%
HK$34,501
+HK$1,727/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,548/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,287 · 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).