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$15,720
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,209
−HK$496/mo
Today · 4.125%
HK$16,705
baseline
▲ 0.50% · 4.625%
HK$17,722
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,410/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,488
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,957
−HK$476/mo
Today · 4.125%
HK$18,433
baseline
▲ 0.50% · 4.625%
HK$19,404
+HK$971/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,866/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,864
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,450
−HK$596/mo
Today · 4.125%
HK$20,046
baseline
▲ 0.50% · 4.625%
HK$21,266
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,092/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,986
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,548
−HK$571/mo
Today · 4.125%
HK$22,119
baseline
▲ 0.50% · 4.625%
HK$23,285
+HK$1,166/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,238/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,008
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,692
−HK$696/mo
Today · 4.125%
HK$23,388
baseline
▲ 0.50% · 4.625%
HK$24,811
+HK$1,423/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,776/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,483
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,140
−HK$666/mo
Today · 4.125%
HK$25,806
baseline
▲ 0.50% · 4.625%
HK$27,166
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,612/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,295
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,176
−HK$894/mo
Today · 4.125%
HK$30,070
baseline
▲ 0.50% · 4.625%
HK$31,899
+HK$1,829/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,140/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,478
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,323
−HK$856/mo
Today · 4.125%
HK$33,179
baseline
▲ 0.50% · 4.625%
HK$34,928
+HK$1,749/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,358/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,815 · 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).