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$15,714
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,203
−HK$496/mo
Today · 4.125%
HK$16,699
baseline
▲ 0.50% · 4.625%
HK$17,716
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,398/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,482
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,951
−HK$475/mo
Today · 4.125%
HK$18,426
baseline
▲ 0.50% · 4.625%
HK$19,397
+HK$971/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,852/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,857
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,443
−HK$596/mo
Today · 4.125%
HK$20,039
baseline
▲ 0.50% · 4.625%
HK$21,259
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$40,078/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,978
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,541
−HK$570/mo
Today · 4.125%
HK$22,111
baseline
▲ 0.50% · 4.625%
HK$23,277
+HK$1,166/mo
Deposit HK$2.76M · loan HK$4.13M · min. income ≈ HK$44,222/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,000
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,684
−HK$695/mo
Today · 4.125%
HK$23,379
baseline
▲ 0.50% · 4.625%
HK$24,802
+HK$1,423/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,758/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,474
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,131
−HK$666/mo
Today · 4.125%
HK$25,797
baseline
▲ 0.50% · 4.625%
HK$27,156
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,594/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,285
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,165
−HK$894/mo
Today · 4.125%
HK$30,059
baseline
▲ 0.50% · 4.625%
HK$31,888
+HK$1,829/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,118/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,467
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,311
−HK$856/mo
Today · 4.125%
HK$33,167
baseline
▲ 0.50% · 4.625%
HK$34,915
+HK$1,748/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,334/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,741 · 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).