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$15,974
−HK$489/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$203,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,234
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,697
−HK$469/mo
Today · 4.125%
HK$18,166
baseline
▲ 0.50% · 4.625%
HK$19,123
+HK$957/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,332/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,817 · 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$203,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,681
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,236
−HK$563/mo
Today · 4.125%
HK$21,799
baseline
▲ 0.50% · 4.625%
HK$22,948
+HK$1,149/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,598/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,689
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,363
−HK$686/mo
Today · 4.125%
HK$23,049
baseline
▲ 0.50% · 4.625%
HK$24,451
+HK$1,402/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,098/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,128
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,775
−HK$657/mo
Today · 4.125%
HK$25,432
baseline
▲ 0.50% · 4.625%
HK$26,772
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,864/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,885
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,753
−HK$881/mo
Today · 4.125%
HK$29,634
baseline
▲ 0.50% · 4.625%
HK$31,437
+HK$1,803/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,268/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,022
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,854
−HK$844/mo
Today · 4.125%
HK$32,698
baseline
▲ 0.50% · 4.625%
HK$34,422
+HK$1,724/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,396/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,817 · 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).