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$15,508
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,990
−HK$491/mo
Today · 4.125%
HK$16,481
baseline
▲ 0.50% · 4.625%
HK$17,483
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,962/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$204,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,253
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,715
−HK$470/mo
Today · 4.125%
HK$18,185
baseline
▲ 0.50% · 4.625%
HK$19,143
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,370/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$204,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,610
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,188
−HK$589/mo
Today · 4.125%
HK$19,777
baseline
▲ 0.50% · 4.625%
HK$20,980
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,554/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$204,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,703
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,258
−HK$564/mo
Today · 4.125%
HK$21,822
baseline
▲ 0.50% · 4.625%
HK$22,972
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,644/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$204,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,711
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,387
−HK$686/mo
Today · 4.125%
HK$23,073
baseline
▲ 0.50% · 4.625%
HK$24,477
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,146/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,154
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,801
−HK$657/mo
Today · 4.125%
HK$25,458
baseline
▲ 0.50% · 4.625%
HK$26,800
+HK$1,342/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,916/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,914
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,783
−HK$882/mo
Today · 4.125%
HK$29,665
baseline
▲ 0.50% · 4.625%
HK$31,470
+HK$1,805/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,330/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,055
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,887
−HK$845/mo
Today · 4.125%
HK$32,732
baseline
▲ 0.50% · 4.625%
HK$34,458
+HK$1,726/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,464/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,030 · 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).