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$988/mo
▼ 0.25% · 3.875%
HK$16,238
−HK$498/mo
Today · 4.125%
HK$16,736
baseline
▲ 0.50% · 4.625%
HK$17,754
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,472/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,520
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,990
−HK$476/mo
Today · 4.125%
HK$18,466
baseline
▲ 0.50% · 4.625%
HK$19,440
+HK$974/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,932/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,898
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,486
−HK$597/mo
Today · 4.125%
HK$20,083
baseline
▲ 0.50% · 4.625%
HK$21,305
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,166/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,024
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,587
−HK$572/mo
Today · 4.125%
HK$22,159
baseline
▲ 0.50% · 4.625%
HK$23,328
+HK$1,169/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$207,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,047
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,733
−HK$697/mo
Today · 4.125%
HK$23,430
baseline
▲ 0.50% · 4.625%
HK$24,856
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,860/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,528
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,185
−HK$668/mo
Today · 4.125%
HK$25,853
baseline
▲ 0.50% · 4.625%
HK$27,215
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,706/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,347
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,228
−HK$896/mo
Today · 4.125%
HK$30,124
baseline
▲ 0.50% · 4.625%
HK$31,957
+HK$1,833/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,248/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,535
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,381
−HK$858/mo
Today · 4.125%
HK$33,239
baseline
▲ 0.50% · 4.625%
HK$34,991
+HK$1,752/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,478/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,190 · 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).