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$15,742
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,231
−HK$498/mo
Today · 4.125%
HK$16,729
baseline
▲ 0.50% · 4.625%
HK$17,747
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,458/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,512
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,982
−HK$476/mo
Today · 4.125%
HK$18,458
baseline
▲ 0.50% · 4.625%
HK$19,431
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,916/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,890
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,477
−HK$597/mo
Today · 4.125%
HK$20,074
baseline
▲ 0.50% · 4.625%
HK$21,296
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,148/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,015
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,578
−HK$572/mo
Today · 4.125%
HK$22,150
baseline
▲ 0.50% · 4.625%
HK$23,318
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,300/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,038
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,724
−HK$696/mo
Today · 4.125%
HK$23,420
baseline
▲ 0.50% · 4.625%
HK$24,845
+HK$1,425/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,840/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,517
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,175
−HK$667/mo
Today · 4.125%
HK$25,842
baseline
▲ 0.50% · 4.625%
HK$27,204
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,684/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,335
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,216
−HK$896/mo
Today · 4.125%
HK$30,112
baseline
▲ 0.50% · 4.625%
HK$31,944
+HK$1,832/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,224/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,522
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,367
−HK$858/mo
Today · 4.125%
HK$33,225
baseline
▲ 0.50% · 4.625%
HK$34,976
+HK$1,751/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,450/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,102 · 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).