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$15,737
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,226
−HK$498/mo
Today · 4.125%
HK$16,724
baseline
▲ 0.50% · 4.625%
HK$17,741
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,448/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,507
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,976
−HK$477/mo
Today · 4.125%
HK$18,453
baseline
▲ 0.50% · 4.625%
HK$19,425
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,906/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,884
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,471
−HK$597/mo
Today · 4.125%
HK$20,068
baseline
▲ 0.50% · 4.625%
HK$21,289
+HK$1,221/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,136/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,008
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,572
−HK$571/mo
Today · 4.125%
HK$22,143
baseline
▲ 0.50% · 4.625%
HK$23,311
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,286/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,031
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,717
−HK$696/mo
Today · 4.125%
HK$23,413
baseline
▲ 0.50% · 4.625%
HK$24,838
+HK$1,425/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,826/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,510
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,167
−HK$667/mo
Today · 4.125%
HK$25,834
baseline
▲ 0.50% · 4.625%
HK$27,196
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,668/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,326
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,207
−HK$895/mo
Today · 4.125%
HK$30,102
baseline
▲ 0.50% · 4.625%
HK$31,934
+HK$1,832/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,204/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,512
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,358
−HK$857/mo
Today · 4.125%
HK$33,215
baseline
▲ 0.50% · 4.625%
HK$34,966
+HK$1,751/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,430/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,039 · 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).