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$15,746
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,235
−HK$498/mo
Today · 4.125%
HK$16,733
baseline
▲ 0.50% · 4.625%
HK$17,751
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,466/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,517
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,987
−HK$476/mo
Today · 4.125%
HK$18,463
baseline
▲ 0.50% · 4.625%
HK$19,437
+HK$974/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,926/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,895
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,483
−HK$597/mo
Today · 4.125%
HK$20,080
baseline
▲ 0.50% · 4.625%
HK$21,302
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,160/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,020
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,584
−HK$572/mo
Today · 4.125%
HK$22,156
baseline
▲ 0.50% · 4.625%
HK$23,324
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,312/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,044
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,730
−HK$696/mo
Today · 4.125%
HK$23,426
baseline
▲ 0.50% · 4.625%
HK$24,852
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,852/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,524
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,181
−HK$668/mo
Today · 4.125%
HK$25,849
baseline
▲ 0.50% · 4.625%
HK$27,211
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,698/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,342
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,224
−HK$896/mo
Today · 4.125%
HK$30,120
baseline
▲ 0.50% · 4.625%
HK$31,952
+HK$1,832/mo
Deposit HK$691K · loan HK$6.21M · min. income ≈ HK$60,240/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,530
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,376
−HK$858/mo
Today · 4.125%
HK$33,234
baseline
▲ 0.50% · 4.625%
HK$34,986
+HK$1,752/mo
Deposit HK$691K · loan HK$6.21M · min. income ≈ HK$66,468/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,157 · 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).