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$15,745
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,234
−HK$498/mo
Today · 4.125%
HK$16,732
baseline
▲ 0.50% · 4.625%
HK$17,750
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,464/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,516
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,985
−HK$477/mo
Today · 4.125%
HK$18,462
baseline
▲ 0.50% · 4.625%
HK$19,435
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,924/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,893
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,481
−HK$597/mo
Today · 4.125%
HK$20,078
baseline
▲ 0.50% · 4.625%
HK$21,300
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,156/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,019
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,582
−HK$572/mo
Today · 4.125%
HK$22,154
baseline
▲ 0.50% · 4.625%
HK$23,322
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,308/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,042
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,728
−HK$697/mo
Today · 4.125%
HK$23,425
baseline
▲ 0.50% · 4.625%
HK$24,850
+HK$1,425/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,850/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,522
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,180
−HK$667/mo
Today · 4.125%
HK$25,847
baseline
▲ 0.50% · 4.625%
HK$27,209
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,694/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,340
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,222
−HK$895/mo
Today · 4.125%
HK$30,117
baseline
▲ 0.50% · 4.625%
HK$31,950
+HK$1,833/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,234/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,528
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,374
−HK$858/mo
Today · 4.125%
HK$33,232
baseline
▲ 0.50% · 4.625%
HK$34,983
+HK$1,751/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,464/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,142 · 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).