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$15,740
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,230
−HK$497/mo
Today · 4.125%
HK$16,727
baseline
▲ 0.50% · 4.625%
HK$17,745
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,454/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,511
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,980
−HK$477/mo
Today · 4.125%
HK$18,457
baseline
▲ 0.50% · 4.625%
HK$19,430
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,914/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,888
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,476
−HK$597/mo
Today · 4.125%
HK$20,073
baseline
▲ 0.50% · 4.625%
HK$21,294
+HK$1,221/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,146/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,013
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,576
−HK$572/mo
Today · 4.125%
HK$22,148
baseline
▲ 0.50% · 4.625%
HK$23,316
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,296/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,036
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,722
−HK$696/mo
Today · 4.125%
HK$23,418
baseline
▲ 0.50% · 4.625%
HK$24,843
+HK$1,425/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,836/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,515
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,172
−HK$667/mo
Today · 4.125%
HK$25,839
baseline
▲ 0.50% · 4.625%
HK$27,201
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,678/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,332
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,213
−HK$896/mo
Today · 4.125%
HK$30,109
baseline
▲ 0.50% · 4.625%
HK$31,941
+HK$1,832/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,218/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,519
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,365
−HK$857/mo
Today · 4.125%
HK$33,222
baseline
▲ 0.50% · 4.625%
HK$34,973
+HK$1,751/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,444/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,083 · 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).