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$15,727
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,216
−HK$497/mo
Today · 4.125%
HK$16,713
baseline
▲ 0.50% · 4.625%
HK$17,730
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,426/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,496
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,965
−HK$476/mo
Today · 4.125%
HK$18,441
baseline
▲ 0.50% · 4.625%
HK$19,413
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,882/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,872
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,459
−HK$597/mo
Today · 4.125%
HK$20,056
baseline
▲ 0.50% · 4.625%
HK$21,276
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,112/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,995
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,558
−HK$571/mo
Today · 4.125%
HK$22,129
baseline
▲ 0.50% · 4.625%
HK$23,296
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,258/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,017
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,702
−HK$696/mo
Today · 4.125%
HK$23,398
baseline
▲ 0.50% · 4.625%
HK$24,822
+HK$1,424/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,796/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,494
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,151
−HK$667/mo
Today · 4.125%
HK$25,818
baseline
▲ 0.50% · 4.625%
HK$27,178
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,636/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,308
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,189
−HK$894/mo
Today · 4.125%
HK$30,083
baseline
▲ 0.50% · 4.625%
HK$31,914
+HK$1,831/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,166/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,493
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,337
−HK$857/mo
Today · 4.125%
HK$33,194
baseline
▲ 0.50% · 4.625%
HK$34,944
+HK$1,750/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,388/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,908 · 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).