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$971/mo
▼ 0.25% · 3.875%
HK$15,971
−HK$490/mo
Today · 4.125%
HK$16,461
baseline
▲ 0.50% · 4.625%
HK$17,463
+HK$1,002/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$203,788 · 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$203,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,588
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,166
−HK$587/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$203,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,678
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,233
−HK$563/mo
Today · 4.125%
HK$21,796
baseline
▲ 0.50% · 4.625%
HK$22,944
+HK$1,148/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,592/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,685
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,360
−HK$685/mo
Today · 4.125%
HK$23,045
baseline
▲ 0.50% · 4.625%
HK$24,448
+HK$1,403/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,090/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,125
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,772
−HK$656/mo
Today · 4.125%
HK$25,428
baseline
▲ 0.50% · 4.625%
HK$26,769
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,856/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,881
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,749
−HK$881/mo
Today · 4.125%
HK$29,630
baseline
▲ 0.50% · 4.625%
HK$31,433
+HK$1,803/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,260/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,018
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,849
−HK$844/mo
Today · 4.125%
HK$32,693
baseline
▲ 0.50% · 4.625%
HK$34,417
+HK$1,724/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$203,788 · 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).