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$15,493
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,975
−HK$489/mo
Today · 4.125%
HK$16,464
baseline
▲ 0.50% · 4.625%
HK$17,466
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,928/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,236
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,698
−HK$469/mo
Today · 4.125%
HK$18,167
baseline
▲ 0.50% · 4.625%
HK$19,124
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,334/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,591
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,170
−HK$587/mo
Today · 4.125%
HK$19,757
baseline
▲ 0.50% · 4.625%
HK$20,959
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,514/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,683
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,237
−HK$563/mo
Today · 4.125%
HK$21,800
baseline
▲ 0.50% · 4.625%
HK$22,949
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,600/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,690
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,365
−HK$685/mo
Today · 4.125%
HK$23,050
baseline
▲ 0.50% · 4.625%
HK$24,453
+HK$1,403/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,100/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,130
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,777
−HK$656/mo
Today · 4.125%
HK$25,433
baseline
▲ 0.50% · 4.625%
HK$26,774
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,866/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,887
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,754
−HK$882/mo
Today · 4.125%
HK$29,636
baseline
▲ 0.50% · 4.625%
HK$31,439
+HK$1,803/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,272/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,024
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,856
−HK$844/mo
Today · 4.125%
HK$32,700
baseline
▲ 0.50% · 4.625%
HK$34,424
+HK$1,724/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,400/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,830 · 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).