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$15,497
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,979
−HK$490/mo
Today · 4.125%
HK$16,469
baseline
▲ 0.50% · 4.625%
HK$17,471
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,938/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,240
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,703
−HK$469/mo
Today · 4.125%
HK$18,172
baseline
▲ 0.50% · 4.625%
HK$19,129
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,344/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,596
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,175
−HK$587/mo
Today · 4.125%
HK$19,762
baseline
▲ 0.50% · 4.625%
HK$20,965
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,524/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,688
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,243
−HK$563/mo
Today · 4.125%
HK$21,806
baseline
▲ 0.50% · 4.625%
HK$22,955
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,612/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,696
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,371
−HK$685/mo
Today · 4.125%
HK$23,056
baseline
▲ 0.50% · 4.625%
HK$24,459
+HK$1,403/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,112/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,136
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,784
−HK$656/mo
Today · 4.125%
HK$25,440
baseline
▲ 0.50% · 4.625%
HK$26,781
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,880/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,895
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,762
−HK$882/mo
Today · 4.125%
HK$29,644
baseline
▲ 0.50% · 4.625%
HK$31,447
+HK$1,803/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,288/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,032
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,865
−HK$844/mo
Today · 4.125%
HK$32,709
baseline
▲ 0.50% · 4.625%
HK$34,433
+HK$1,724/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,418/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,885 · 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).