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$15,486
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,968
−HK$489/mo
Today · 4.125%
HK$16,457
baseline
▲ 0.50% · 4.625%
HK$17,459
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,914/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,228
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,690
−HK$469/mo
Today · 4.125%
HK$18,159
baseline
▲ 0.50% · 4.625%
HK$19,116
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,318/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,583
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,161
−HK$588/mo
Today · 4.125%
HK$19,749
baseline
▲ 0.50% · 4.625%
HK$20,950
+HK$1,201/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$39,498/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,674
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,228
−HK$563/mo
Today · 4.125%
HK$21,791
baseline
▲ 0.50% · 4.625%
HK$22,939
+HK$1,148/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$43,582/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,681
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,355
−HK$685/mo
Today · 4.125%
HK$23,040
baseline
▲ 0.50% · 4.625%
HK$24,442
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,080/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,120
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,766
−HK$657/mo
Today · 4.125%
HK$25,423
baseline
▲ 0.50% · 4.625%
HK$26,763
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,846/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,875
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,742
−HK$881/mo
Today · 4.125%
HK$29,623
baseline
▲ 0.50% · 4.625%
HK$31,426
+HK$1,803/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,246/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,011
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,843
−HK$843/mo
Today · 4.125%
HK$32,686
baseline
▲ 0.50% · 4.625%
HK$34,409
+HK$1,723/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,372/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,743 · 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).