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$15,511
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,993
−HK$490/mo
Today · 4.125%
HK$16,483
baseline
▲ 0.50% · 4.625%
HK$17,486
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,966/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,255
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,718
−HK$470/mo
Today · 4.125%
HK$18,188
baseline
▲ 0.50% · 4.625%
HK$19,146
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,376/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,613
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,192
−HK$588/mo
Today · 4.125%
HK$19,780
baseline
▲ 0.50% · 4.625%
HK$20,983
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,560/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$204,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,706
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,262
−HK$563/mo
Today · 4.125%
HK$21,825
baseline
▲ 0.50% · 4.625%
HK$22,976
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,650/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$204,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,715
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,390
−HK$686/mo
Today · 4.125%
HK$23,076
baseline
▲ 0.50% · 4.625%
HK$24,481
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,152/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,157
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,805
−HK$658/mo
Today · 4.125%
HK$25,463
baseline
▲ 0.50% · 4.625%
HK$26,805
+HK$1,342/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,926/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,919
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,787
−HK$883/mo
Today · 4.125%
HK$29,670
baseline
▲ 0.50% · 4.625%
HK$31,475
+HK$1,805/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,340/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,060
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,893
−HK$845/mo
Today · 4.125%
HK$32,738
baseline
▲ 0.50% · 4.625%
HK$34,463
+HK$1,725/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,476/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,064 · 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).