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$15,730
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,219
−HK$497/mo
Today · 4.125%
HK$16,716
baseline
▲ 0.50% · 4.625%
HK$17,734
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,432/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,499
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,969
−HK$476/mo
Today · 4.125%
HK$18,445
baseline
▲ 0.50% · 4.625%
HK$19,417
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,890/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,876
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,463
−HK$597/mo
Today · 4.125%
HK$20,060
baseline
▲ 0.50% · 4.625%
HK$21,280
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,120/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,999
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,563
−HK$571/mo
Today · 4.125%
HK$22,134
baseline
▲ 0.50% · 4.625%
HK$23,301
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,268/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,022
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,707
−HK$696/mo
Today · 4.125%
HK$23,403
baseline
▲ 0.50% · 4.625%
HK$24,827
+HK$1,424/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,806/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,499
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,156
−HK$667/mo
Today · 4.125%
HK$25,823
baseline
▲ 0.50% · 4.625%
HK$27,184
+HK$1,361/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,646/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,314
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,195
−HK$895/mo
Today · 4.125%
HK$30,090
baseline
▲ 0.50% · 4.625%
HK$31,920
+HK$1,830/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,180/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,499
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,344
−HK$857/mo
Today · 4.125%
HK$33,201
baseline
▲ 0.50% · 4.625%
HK$34,951
+HK$1,750/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,402/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,951 · 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).