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$15,500
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,983
−HK$489/mo
Today · 4.125%
HK$16,472
baseline
▲ 0.50% · 4.625%
HK$17,475
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,944/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,244
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,707
−HK$469/mo
Today · 4.125%
HK$18,176
baseline
▲ 0.50% · 4.625%
HK$19,134
+HK$958/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,352/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,600
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,179
−HK$588/mo
Today · 4.125%
HK$19,767
baseline
▲ 0.50% · 4.625%
HK$20,970
+HK$1,203/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,534/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,693
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,248
−HK$563/mo
Today · 4.125%
HK$21,811
baseline
▲ 0.50% · 4.625%
HK$22,961
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,622/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,701
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,376
−HK$685/mo
Today · 4.125%
HK$23,061
baseline
▲ 0.50% · 4.625%
HK$24,465
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,122/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,142
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,789
−HK$657/mo
Today · 4.125%
HK$25,446
baseline
▲ 0.50% · 4.625%
HK$26,787
+HK$1,341/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,892/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,901
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,769
−HK$881/mo
Today · 4.125%
HK$29,650
baseline
▲ 0.50% · 4.625%
HK$31,455
+HK$1,805/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,300/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,039
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,872
−HK$844/mo
Today · 4.125%
HK$32,716
baseline
▲ 0.50% · 4.625%
HK$34,441
+HK$1,725/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,432/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$203,930 · 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).