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$15,732
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,221
−HK$497/mo
Today · 4.125%
HK$16,718
baseline
▲ 0.50% · 4.625%
HK$17,735
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,436/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,501
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,971
−HK$476/mo
Today · 4.125%
HK$18,447
baseline
▲ 0.50% · 4.625%
HK$19,419
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,894/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,878
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,465
−HK$597/mo
Today · 4.125%
HK$20,062
baseline
▲ 0.50% · 4.625%
HK$21,282
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,124/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,001
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,565
−HK$571/mo
Today · 4.125%
HK$22,136
baseline
▲ 0.50% · 4.625%
HK$23,303
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,272/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,024
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,709
−HK$696/mo
Today · 4.125%
HK$23,405
baseline
▲ 0.50% · 4.625%
HK$24,829
+HK$1,424/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,810/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,502
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,159
−HK$666/mo
Today · 4.125%
HK$25,825
baseline
▲ 0.50% · 4.625%
HK$27,187
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,650/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,317
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,198
−HK$894/mo
Today · 4.125%
HK$30,092
baseline
▲ 0.50% · 4.625%
HK$31,924
+HK$1,832/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,184/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,502
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,347
−HK$857/mo
Today · 4.125%
HK$33,204
baseline
▲ 0.50% · 4.625%
HK$34,954
+HK$1,750/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,408/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,971 · 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).