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$15,492
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,973
−HK$490/mo
Today · 4.125%
HK$16,463
baseline
▲ 0.50% · 4.625%
HK$17,465
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,926/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,234
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,696
−HK$469/mo
Today · 4.125%
HK$18,165
baseline
▲ 0.50% · 4.625%
HK$19,123
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,330/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,590
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,168
−HK$588/mo
Today · 4.125%
HK$19,756
baseline
▲ 0.50% · 4.625%
HK$20,958
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,512/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,681
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,236
−HK$562/mo
Today · 4.125%
HK$21,798
baseline
▲ 0.50% · 4.625%
HK$22,947
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,596/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,688
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,363
−HK$685/mo
Today · 4.125%
HK$23,048
baseline
▲ 0.50% · 4.625%
HK$24,451
+HK$1,403/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,096/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,128
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,775
−HK$656/mo
Today · 4.125%
HK$25,431
baseline
▲ 0.50% · 4.625%
HK$26,772
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,862/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,885
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,752
−HK$881/mo
Today · 4.125%
HK$29,633
baseline
▲ 0.50% · 4.625%
HK$31,436
+HK$1,803/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,266/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,021
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,853
−HK$844/mo
Today · 4.125%
HK$32,697
baseline
▲ 0.50% · 4.625%
HK$34,421
+HK$1,724/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,394/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,813 · 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).