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$15,497
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,979
−HK$490/mo
Today · 4.125%
HK$16,469
baseline
▲ 0.50% · 4.625%
HK$17,471
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,938/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,241
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,703
−HK$469/mo
Today · 4.125%
HK$18,172
baseline
▲ 0.50% · 4.625%
HK$19,130
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,344/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,597
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,175
−HK$588/mo
Today · 4.125%
HK$19,763
baseline
▲ 0.50% · 4.625%
HK$20,965
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,526/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,689
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,243
−HK$563/mo
Today · 4.125%
HK$21,806
baseline
▲ 0.50% · 4.625%
HK$22,956
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,612/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,696
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,371
−HK$686/mo
Today · 4.125%
HK$23,057
baseline
▲ 0.50% · 4.625%
HK$24,460
+HK$1,403/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,114/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,137
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,784
−HK$657/mo
Today · 4.125%
HK$25,441
baseline
▲ 0.50% · 4.625%
HK$26,782
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,882/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,895
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,763
−HK$881/mo
Today · 4.125%
HK$29,644
baseline
▲ 0.50% · 4.625%
HK$31,448
+HK$1,804/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,288/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,033
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,865
−HK$845/mo
Today · 4.125%
HK$32,710
baseline
▲ 0.50% · 4.625%
HK$34,434
+HK$1,724/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,420/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,888 · 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).