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$15,735
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,224
−HK$498/mo
Today · 4.125%
HK$16,722
baseline
▲ 0.50% · 4.625%
HK$17,739
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,444/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,505
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,974
−HK$477/mo
Today · 4.125%
HK$18,451
baseline
▲ 0.50% · 4.625%
HK$19,423
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,902/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,882
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,469
−HK$597/mo
Today · 4.125%
HK$20,066
baseline
▲ 0.50% · 4.625%
HK$21,287
+HK$1,221/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,132/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,006
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,569
−HK$572/mo
Today · 4.125%
HK$22,141
baseline
▲ 0.50% · 4.625%
HK$23,308
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,282/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,029
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,714
−HK$696/mo
Today · 4.125%
HK$23,410
baseline
▲ 0.50% · 4.625%
HK$24,835
+HK$1,425/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,820/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,507
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,164
−HK$667/mo
Today · 4.125%
HK$25,831
baseline
▲ 0.50% · 4.625%
HK$27,193
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,662/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,323
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,204
−HK$895/mo
Today · 4.125%
HK$30,099
baseline
▲ 0.50% · 4.625%
HK$31,930
+HK$1,831/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,198/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,509
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,354
−HK$857/mo
Today · 4.125%
HK$33,211
baseline
▲ 0.50% · 4.625%
HK$34,962
+HK$1,751/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,422/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,016 · 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).