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$15,513
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,996
−HK$490/mo
Today · 4.125%
HK$16,486
baseline
▲ 0.50% · 4.625%
HK$17,489
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,972/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,258
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,721
−HK$470/mo
Today · 4.125%
HK$18,191
baseline
▲ 0.50% · 4.625%
HK$19,150
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,382/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,616
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,195
−HK$588/mo
Today · 4.125%
HK$19,783
baseline
▲ 0.50% · 4.625%
HK$20,987
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,566/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,710
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,265
−HK$564/mo
Today · 4.125%
HK$21,829
baseline
▲ 0.50% · 4.625%
HK$22,980
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,658/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,719
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,394
−HK$687/mo
Today · 4.125%
HK$23,081
baseline
▲ 0.50% · 4.625%
HK$24,485
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,162/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,162
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,810
−HK$657/mo
Today · 4.125%
HK$25,467
baseline
▲ 0.50% · 4.625%
HK$26,809
+HK$1,342/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,934/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,924
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,792
−HK$883/mo
Today · 4.125%
HK$29,675
baseline
▲ 0.50% · 4.625%
HK$31,481
+HK$1,806/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,350/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,065
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,898
−HK$845/mo
Today · 4.125%
HK$32,743
baseline
▲ 0.50% · 4.625%
HK$34,469
+HK$1,726/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,486/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,099 · 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).