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$15,747
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$498/mo
Today · 4.125%
HK$16,735
baseline
▲ 0.50% · 4.625%
HK$17,753
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,470/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,518
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,988
−HK$477/mo
Today · 4.125%
HK$18,465
baseline
▲ 0.50% · 4.625%
HK$19,438
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,930/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,897
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,484
−HK$597/mo
Today · 4.125%
HK$20,081
baseline
▲ 0.50% · 4.625%
HK$21,303
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,162/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,022
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,586
−HK$572/mo
Today · 4.125%
HK$22,158
baseline
▲ 0.50% · 4.625%
HK$23,326
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,316/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,046
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,732
−HK$696/mo
Today · 4.125%
HK$23,428
baseline
▲ 0.50% · 4.625%
HK$24,854
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,856/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,526
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,184
−HK$667/mo
Today · 4.125%
HK$25,851
baseline
▲ 0.50% · 4.625%
HK$27,214
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,702/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,345
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,226
−HK$896/mo
Today · 4.125%
HK$30,122
baseline
▲ 0.50% · 4.625%
HK$31,955
+HK$1,833/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,244/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,533
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,379
−HK$858/mo
Today · 4.125%
HK$33,237
baseline
▲ 0.50% · 4.625%
HK$34,989
+HK$1,752/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,474/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,176 · 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).