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$15,751
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,241
−HK$497/mo
Today · 4.125%
HK$16,738
baseline
▲ 0.50% · 4.625%
HK$17,757
+HK$1,019/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,476/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,523
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,993
−HK$476/mo
Today · 4.125%
HK$18,469
baseline
▲ 0.50% · 4.625%
HK$19,443
+HK$974/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,938/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,901
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,489
−HK$597/mo
Today · 4.125%
HK$20,086
baseline
▲ 0.50% · 4.625%
HK$21,308
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,172/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,027
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,591
−HK$572/mo
Today · 4.125%
HK$22,163
baseline
▲ 0.50% · 4.625%
HK$23,331
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,326/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,051
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,737
−HK$697/mo
Today · 4.125%
HK$23,434
baseline
▲ 0.50% · 4.625%
HK$24,860
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,868/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,532
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,190
−HK$667/mo
Today · 4.125%
HK$25,857
baseline
▲ 0.50% · 4.625%
HK$27,220
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,714/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,351
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,233
−HK$896/mo
Today · 4.125%
HK$30,129
baseline
▲ 0.50% · 4.625%
HK$31,963
+HK$1,834/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,258/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,541
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,387
−HK$858/mo
Today · 4.125%
HK$33,245
baseline
▲ 0.50% · 4.625%
HK$34,997
+HK$1,752/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,490/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,224 · 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).