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$16,217
−HK$498/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$206,928 · 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$206,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,874
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,461
−HK$596/mo
Today · 4.125%
HK$20,057
baseline
▲ 0.50% · 4.625%
HK$21,278
+HK$1,221/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,114/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,997
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,560
−HK$571/mo
Today · 4.125%
HK$22,131
baseline
▲ 0.50% · 4.625%
HK$23,298
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,262/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,020
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,704
−HK$696/mo
Today · 4.125%
HK$23,400
baseline
▲ 0.50% · 4.625%
HK$24,824
+HK$1,424/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,800/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,928 · 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$206,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,311
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,191
−HK$895/mo
Today · 4.125%
HK$30,086
baseline
▲ 0.50% · 4.625%
HK$31,917
+HK$1,831/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,172/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,496
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,340
−HK$857/mo
Today · 4.125%
HK$33,197
baseline
▲ 0.50% · 4.625%
HK$34,947
+HK$1,750/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,394/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,928 · 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).