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$15,494
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,976
−HK$490/mo
Today · 4.125%
HK$16,466
baseline
▲ 0.50% · 4.625%
HK$17,468
+HK$1,002/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,932/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,237
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,700
−HK$469/mo
Today · 4.125%
HK$18,169
baseline
▲ 0.50% · 4.625%
HK$19,126
+HK$957/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$203,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,593
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,172
−HK$587/mo
Today · 4.125%
HK$19,759
baseline
▲ 0.50% · 4.625%
HK$20,962
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,518/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,685
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,240
−HK$562/mo
Today · 4.125%
HK$21,802
baseline
▲ 0.50% · 4.625%
HK$22,952
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,604/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,692
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,367
−HK$686/mo
Today · 4.125%
HK$23,053
baseline
▲ 0.50% · 4.625%
HK$24,455
+HK$1,402/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$203,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,132
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,780
−HK$656/mo
Today · 4.125%
HK$25,436
baseline
▲ 0.50% · 4.625%
HK$26,777
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,872/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,890
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,758
−HK$881/mo
Today · 4.125%
HK$29,639
baseline
▲ 0.50% · 4.625%
HK$31,442
+HK$1,803/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,278/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,027
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,859
−HK$845/mo
Today · 4.125%
HK$32,704
baseline
▲ 0.50% · 4.625%
HK$34,428
+HK$1,724/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,408/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,852 · 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).