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$15,502
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,985
−HK$490/mo
Today · 4.125%
HK$16,475
baseline
▲ 0.50% · 4.625%
HK$17,477
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,950/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,246
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,709
−HK$469/mo
Today · 4.125%
HK$18,178
baseline
▲ 0.50% · 4.625%
HK$19,136
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,356/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,603
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,182
−HK$587/mo
Today · 4.125%
HK$19,769
baseline
▲ 0.50% · 4.625%
HK$20,972
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,538/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,696
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,251
−HK$563/mo
Today · 4.125%
HK$21,814
baseline
▲ 0.50% · 4.625%
HK$22,963
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,628/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,703
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,378
−HK$686/mo
Today · 4.125%
HK$23,064
baseline
▲ 0.50% · 4.625%
HK$24,468
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,128/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,145
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,792
−HK$657/mo
Today · 4.125%
HK$25,449
baseline
▲ 0.50% · 4.625%
HK$26,791
+HK$1,342/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,898/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,904
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,772
−HK$882/mo
Today · 4.125%
HK$29,654
baseline
▲ 0.50% · 4.625%
HK$31,459
+HK$1,805/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,308/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,043
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,876
−HK$844/mo
Today · 4.125%
HK$32,720
baseline
▲ 0.50% · 4.625%
HK$34,445
+HK$1,725/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,440/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,956 · 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).