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$15,750
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,240
−HK$498/mo
Today · 4.125%
HK$16,738
baseline
▲ 0.50% · 4.625%
HK$17,756
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,476/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,522
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,992
−HK$476/mo
Today · 4.125%
HK$18,468
baseline
▲ 0.50% · 4.625%
HK$19,442
+HK$974/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,936/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,900
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,488
−HK$597/mo
Today · 4.125%
HK$20,085
baseline
▲ 0.50% · 4.625%
HK$21,307
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,170/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,026
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,590
−HK$572/mo
Today · 4.125%
HK$22,162
baseline
▲ 0.50% · 4.625%
HK$23,330
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,324/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,050
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,736
−HK$697/mo
Today · 4.125%
HK$23,433
baseline
▲ 0.50% · 4.625%
HK$24,858
+HK$1,425/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,866/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,530
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,188
−HK$668/mo
Today · 4.125%
HK$25,856
baseline
▲ 0.50% · 4.625%
HK$27,219
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,712/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,350
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,232
−HK$896/mo
Today · 4.125%
HK$30,128
baseline
▲ 0.50% · 4.625%
HK$31,961
+HK$1,833/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,256/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,539
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,385
−HK$858/mo
Today · 4.125%
HK$33,243
baseline
▲ 0.50% · 4.625%
HK$34,995
+HK$1,752/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,486/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,213 · 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).