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$15,495
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,977
−HK$490/mo
Today · 4.125%
HK$16,467
baseline
▲ 0.50% · 4.625%
HK$17,469
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,934/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,238
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,700
−HK$469/mo
Today · 4.125%
HK$18,169
baseline
▲ 0.50% · 4.625%
HK$19,127
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,338/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,594
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,173
−HK$587/mo
Today · 4.125%
HK$19,760
baseline
▲ 0.50% · 4.625%
HK$20,962
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,520/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,686
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,241
−HK$562/mo
Today · 4.125%
HK$21,803
baseline
▲ 0.50% · 4.625%
HK$22,953
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,606/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,693
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,368
−HK$685/mo
Today · 4.125%
HK$23,053
baseline
▲ 0.50% · 4.625%
HK$24,456
+HK$1,403/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,106/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,133
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,781
−HK$656/mo
Today · 4.125%
HK$25,437
baseline
▲ 0.50% · 4.625%
HK$26,778
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,874/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,891
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,759
−HK$881/mo
Today · 4.125%
HK$29,640
baseline
▲ 0.50% · 4.625%
HK$31,444
+HK$1,804/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,280/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,029
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,861
−HK$844/mo
Today · 4.125%
HK$32,705
baseline
▲ 0.50% · 4.625%
HK$34,429
+HK$1,724/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,410/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,861 · 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).