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$15,716
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,205
−HK$497/mo
Today · 4.125%
HK$16,702
baseline
▲ 0.50% · 4.625%
HK$17,718
+HK$1,016/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,404/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,484
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,953
−HK$476/mo
Today · 4.125%
HK$18,429
baseline
▲ 0.50% · 4.625%
HK$19,400
+HK$971/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,858/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,860
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,446
−HK$596/mo
Today · 4.125%
HK$20,042
baseline
▲ 0.50% · 4.625%
HK$21,262
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,084/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,981
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,544
−HK$571/mo
Today · 4.125%
HK$22,115
baseline
▲ 0.50% · 4.625%
HK$23,280
+HK$1,165/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,230/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,003
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,687
−HK$696/mo
Today · 4.125%
HK$23,383
baseline
▲ 0.50% · 4.625%
HK$24,805
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,766/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,478
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,134
−HK$666/mo
Today · 4.125%
HK$25,800
baseline
▲ 0.50% · 4.625%
HK$27,160
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,600/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,289
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,169
−HK$894/mo
Today · 4.125%
HK$30,063
baseline
▲ 0.50% · 4.625%
HK$31,893
+HK$1,830/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,126/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,472
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,316
−HK$856/mo
Today · 4.125%
HK$33,172
baseline
▲ 0.50% · 4.625%
HK$34,921
+HK$1,749/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,344/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,771 · 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).