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$15,512
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,994
−HK$490/mo
Today · 4.125%
HK$16,484
baseline
▲ 0.50% · 4.625%
HK$17,487
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,968/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,256
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,719
−HK$470/mo
Today · 4.125%
HK$18,189
baseline
▲ 0.50% · 4.625%
HK$19,147
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,378/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,614
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,193
−HK$588/mo
Today · 4.125%
HK$19,781
baseline
▲ 0.50% · 4.625%
HK$20,985
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,562/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,708
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,263
−HK$563/mo
Today · 4.125%
HK$21,826
baseline
▲ 0.50% · 4.625%
HK$22,977
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,652/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,716
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,392
−HK$686/mo
Today · 4.125%
HK$23,078
baseline
▲ 0.50% · 4.625%
HK$24,482
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,156/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,159
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,807
−HK$657/mo
Today · 4.125%
HK$25,464
baseline
▲ 0.50% · 4.625%
HK$26,806
+HK$1,342/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,928/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,921
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,789
−HK$883/mo
Today · 4.125%
HK$29,672
baseline
▲ 0.50% · 4.625%
HK$31,477
+HK$1,805/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,344/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,062
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,895
−HK$845/mo
Today · 4.125%
HK$32,740
baseline
▲ 0.50% · 4.625%
HK$34,465
+HK$1,725/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,480/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,076 · 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).