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$15,487
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,969
−HK$489/mo
Today · 4.125%
HK$16,458
baseline
▲ 0.50% · 4.625%
HK$17,459
+HK$1,001/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,916/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,229
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,691
−HK$469/mo
Today · 4.125%
HK$18,160
baseline
▲ 0.50% · 4.625%
HK$19,117
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,320/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,584
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,162
−HK$588/mo
Today · 4.125%
HK$19,750
baseline
▲ 0.50% · 4.625%
HK$20,951
+HK$1,201/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,500/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,675
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,229
−HK$563/mo
Today · 4.125%
HK$21,792
baseline
▲ 0.50% · 4.625%
HK$22,940
+HK$1,148/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,584/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,682
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,356
−HK$685/mo
Today · 4.125%
HK$23,041
baseline
▲ 0.50% · 4.625%
HK$24,443
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,082/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,121
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,768
−HK$656/mo
Today · 4.125%
HK$25,424
baseline
▲ 0.50% · 4.625%
HK$26,764
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,848/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,876
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,744
−HK$880/mo
Today · 4.125%
HK$29,624
baseline
▲ 0.50% · 4.625%
HK$31,427
+HK$1,803/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,248/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,012
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,844
−HK$844/mo
Today · 4.125%
HK$32,688
baseline
▲ 0.50% · 4.625%
HK$34,411
+HK$1,723/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,376/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,752 · 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).