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$15,756
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,246
−HK$498/mo
Today · 4.125%
HK$16,744
baseline
▲ 0.50% · 4.625%
HK$17,762
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,488/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,528
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,998
−HK$477/mo
Today · 4.125%
HK$18,475
baseline
▲ 0.50% · 4.625%
HK$19,449
+HK$974/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,950/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,907
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,495
−HK$597/mo
Today · 4.125%
HK$20,092
baseline
▲ 0.50% · 4.625%
HK$21,315
+HK$1,223/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$40,184/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,033
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,598
−HK$572/mo
Today · 4.125%
HK$22,170
baseline
▲ 0.50% · 4.625%
HK$23,338
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$44,340/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,058
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,744
−HK$697/mo
Today · 4.125%
HK$23,441
baseline
▲ 0.50% · 4.625%
HK$24,867
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,882/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,539
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,197
−HK$668/mo
Today · 4.125%
HK$25,865
baseline
▲ 0.50% · 4.625%
HK$27,228
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,730/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,360
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,242
−HK$896/mo
Today · 4.125%
HK$30,138
baseline
▲ 0.50% · 4.625%
HK$31,972
+HK$1,834/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,276/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,550
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,396
−HK$859/mo
Today · 4.125%
HK$33,255
baseline
▲ 0.50% · 4.625%
HK$35,008
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,510/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,287 · 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).