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$15,755
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,245
−HK$498/mo
Today · 4.125%
HK$16,743
baseline
▲ 0.50% · 4.625%
HK$17,762
+HK$1,019/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,486/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,527
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,998
−HK$476/mo
Today · 4.125%
HK$18,474
baseline
▲ 0.50% · 4.625%
HK$19,448
+HK$974/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,948/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,906
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,494
−HK$598/mo
Today · 4.125%
HK$20,092
baseline
▲ 0.50% · 4.625%
HK$21,314
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$40,184/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,033
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,597
−HK$572/mo
Today · 4.125%
HK$22,169
baseline
▲ 0.50% · 4.625%
HK$23,338
+HK$1,169/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$44,338/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,057
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,743
−HK$697/mo
Today · 4.125%
HK$23,440
baseline
▲ 0.50% · 4.625%
HK$24,867
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,880/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,538
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,197
−HK$667/mo
Today · 4.125%
HK$25,864
baseline
▲ 0.50% · 4.625%
HK$27,228
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,728/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,359
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,241
−HK$897/mo
Today · 4.125%
HK$30,138
baseline
▲ 0.50% · 4.625%
HK$31,972
+HK$1,834/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,276/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,549
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,396
−HK$858/mo
Today · 4.125%
HK$33,254
baseline
▲ 0.50% · 4.625%
HK$35,007
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,508/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,282 · 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).