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$15,488
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,970
−HK$489/mo
Today · 4.125%
HK$16,459
baseline
▲ 0.50% · 4.625%
HK$17,461
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,918/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,230
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,692
−HK$469/mo
Today · 4.125%
HK$18,161
baseline
▲ 0.50% · 4.625%
HK$19,118
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,322/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,586
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,164
−HK$587/mo
Today · 4.125%
HK$19,751
baseline
▲ 0.50% · 4.625%
HK$20,953
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,502/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,676
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,231
−HK$562/mo
Today · 4.125%
HK$21,793
baseline
▲ 0.50% · 4.625%
HK$22,942
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,586/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,683
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,358
−HK$685/mo
Today · 4.125%
HK$23,043
baseline
▲ 0.50% · 4.625%
HK$24,445
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,086/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,122
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,769
−HK$657/mo
Today · 4.125%
HK$25,426
baseline
▲ 0.50% · 4.625%
HK$26,766
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,852/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,878
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,745
−HK$882/mo
Today · 4.125%
HK$29,627
baseline
▲ 0.50% · 4.625%
HK$31,429
+HK$1,802/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,254/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,014
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,846
−HK$844/mo
Today · 4.125%
HK$32,690
baseline
▲ 0.50% · 4.625%
HK$34,413
+HK$1,723/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,380/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,766 · 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).