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$15,749
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,239
−HK$498/mo
Today · 4.125%
HK$16,737
baseline
▲ 0.50% · 4.625%
HK$17,755
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,474/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,521
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,991
−HK$476/mo
Today · 4.125%
HK$18,467
baseline
▲ 0.50% · 4.625%
HK$19,441
+HK$974/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,934/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,899
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,487
−HK$597/mo
Today · 4.125%
HK$20,084
baseline
▲ 0.50% · 4.625%
HK$21,306
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,168/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,025
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,589
−HK$572/mo
Today · 4.125%
HK$22,161
baseline
▲ 0.50% · 4.625%
HK$23,329
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,322/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,049
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,734
−HK$697/mo
Today · 4.125%
HK$23,431
baseline
▲ 0.50% · 4.625%
HK$24,857
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,862/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,529
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,187
−HK$667/mo
Today · 4.125%
HK$25,854
baseline
▲ 0.50% · 4.625%
HK$27,217
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,708/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,348
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,230
−HK$896/mo
Today · 4.125%
HK$30,126
baseline
▲ 0.50% · 4.625%
HK$31,959
+HK$1,833/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,252/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,537
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,383
−HK$858/mo
Today · 4.125%
HK$33,241
baseline
▲ 0.50% · 4.625%
HK$34,993
+HK$1,752/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,482/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,201 · 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).