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$15,748
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$498/mo
Today · 4.125%
HK$16,735
baseline
▲ 0.50% · 4.625%
HK$17,753
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,470/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,519
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,989
−HK$476/mo
Today · 4.125%
HK$18,465
baseline
▲ 0.50% · 4.625%
HK$19,439
+HK$974/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,930/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,897
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,485
−HK$597/mo
Today · 4.125%
HK$20,082
baseline
▲ 0.50% · 4.625%
HK$21,304
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,164/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,023
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,587
−HK$572/mo
Today · 4.125%
HK$22,159
baseline
▲ 0.50% · 4.625%
HK$23,327
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,318/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,047
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,732
−HK$697/mo
Today · 4.125%
HK$23,429
baseline
▲ 0.50% · 4.625%
HK$24,855
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,858/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,527
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,184
−HK$668/mo
Today · 4.125%
HK$25,852
baseline
▲ 0.50% · 4.625%
HK$27,214
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,704/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,346
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,227
−HK$896/mo
Today · 4.125%
HK$30,123
baseline
▲ 0.50% · 4.625%
HK$31,956
+HK$1,833/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,246/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,534
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,380
−HK$858/mo
Today · 4.125%
HK$33,238
baseline
▲ 0.50% · 4.625%
HK$34,990
+HK$1,752/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,476/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,182 · 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).