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$15,728
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,218
−HK$497/mo
Today · 4.125%
HK$16,715
baseline
▲ 0.50% · 4.625%
HK$17,732
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,430/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,498
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,967
−HK$476/mo
Today · 4.125%
HK$18,443
baseline
▲ 0.50% · 4.625%
HK$19,415
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,886/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,874
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,461
−HK$597/mo
Today · 4.125%
HK$20,058
baseline
▲ 0.50% · 4.625%
HK$21,278
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,116/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,997
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,560
−HK$572/mo
Today · 4.125%
HK$22,132
baseline
▲ 0.50% · 4.625%
HK$23,298
+HK$1,166/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,264/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,020
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,705
−HK$696/mo
Today · 4.125%
HK$23,401
baseline
▲ 0.50% · 4.625%
HK$24,825
+HK$1,424/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,802/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,497
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,154
−HK$666/mo
Today · 4.125%
HK$25,820
baseline
▲ 0.50% · 4.625%
HK$27,181
+HK$1,361/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,640/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,311
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,192
−HK$895/mo
Today · 4.125%
HK$30,087
baseline
▲ 0.50% · 4.625%
HK$31,917
+HK$1,830/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,174/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,496
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,341
−HK$857/mo
Today · 4.125%
HK$33,198
baseline
▲ 0.50% · 4.625%
HK$34,947
+HK$1,749/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,396/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,930 · 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).