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$15,725
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,214
−HK$497/mo
Today · 4.125%
HK$16,711
baseline
▲ 0.50% · 4.625%
HK$17,728
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,422/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,494
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,963
−HK$476/mo
Today · 4.125%
HK$18,439
baseline
▲ 0.50% · 4.625%
HK$19,411
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,878/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,870
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,457
−HK$596/mo
Today · 4.125%
HK$20,053
baseline
▲ 0.50% · 4.625%
HK$21,273
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,106/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,992
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,555
−HK$571/mo
Today · 4.125%
HK$22,126
baseline
▲ 0.50% · 4.625%
HK$23,293
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,252/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,015
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,699
−HK$696/mo
Today · 4.125%
HK$23,395
baseline
▲ 0.50% · 4.625%
HK$24,819
+HK$1,424/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,790/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,491
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,148
−HK$666/mo
Today · 4.125%
HK$25,814
baseline
▲ 0.50% · 4.625%
HK$27,175
+HK$1,361/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,628/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,304
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,185
−HK$894/mo
Today · 4.125%
HK$30,079
baseline
▲ 0.50% · 4.625%
HK$31,910
+HK$1,831/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,158/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,488
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,333
−HK$857/mo
Today · 4.125%
HK$33,190
baseline
▲ 0.50% · 4.625%
HK$34,939
+HK$1,749/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,380/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,881 · 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).