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$15,500
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,982
−HK$490/mo
Today · 4.125%
HK$16,472
baseline
▲ 0.50% · 4.625%
HK$17,474
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,944/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,243
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,706
−HK$469/mo
Today · 4.125%
HK$18,175
baseline
▲ 0.50% · 4.625%
HK$19,133
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,350/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,600
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,178
−HK$588/mo
Today · 4.125%
HK$19,766
baseline
▲ 0.50% · 4.625%
HK$20,969
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,532/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,692
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,247
−HK$563/mo
Today · 4.125%
HK$21,810
baseline
▲ 0.50% · 4.625%
HK$22,959
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,620/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,699
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,374
−HK$686/mo
Today · 4.125%
HK$23,060
baseline
▲ 0.50% · 4.625%
HK$24,463
+HK$1,403/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,120/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,140
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,788
−HK$657/mo
Today · 4.125%
HK$25,445
baseline
▲ 0.50% · 4.625%
HK$26,786
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,890/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,899
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,767
−HK$882/mo
Today · 4.125%
HK$29,649
baseline
▲ 0.50% · 4.625%
HK$31,453
+HK$1,804/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,298/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,038
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,870
−HK$845/mo
Today · 4.125%
HK$32,715
baseline
▲ 0.50% · 4.625%
HK$34,439
+HK$1,724/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,430/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,920 · 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).