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$15,525
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,008
−HK$491/mo
Today · 4.125%
HK$16,499
baseline
▲ 0.50% · 4.625%
HK$17,503
+HK$1,004/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,998/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,272
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,735
−HK$470/mo
Today · 4.125%
HK$18,205
baseline
▲ 0.50% · 4.625%
HK$19,165
+HK$960/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,410/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,630
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,210
−HK$589/mo
Today · 4.125%
HK$19,799
baseline
▲ 0.50% · 4.625%
HK$21,003
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$39,598/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,726
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,282
−HK$564/mo
Today · 4.125%
HK$21,846
baseline
▲ 0.50% · 4.625%
HK$22,997
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.09M · min. income ≈ HK$43,692/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,736
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,412
−HK$687/mo
Today · 4.125%
HK$23,099
baseline
▲ 0.50% · 4.625%
HK$24,504
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,198/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,181
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,829
−HK$658/mo
Today · 4.125%
HK$25,487
baseline
▲ 0.50% · 4.625%
HK$26,830
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$50,974/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,946
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,815
−HK$883/mo
Today · 4.125%
HK$29,698
baseline
▲ 0.50% · 4.625%
HK$31,505
+HK$1,807/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,396/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,089
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,923
−HK$846/mo
Today · 4.125%
HK$32,769
baseline
▲ 0.50% · 4.625%
HK$34,496
+HK$1,727/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,538/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,259 · 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).