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$15,743
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,233
−HK$497/mo
Today · 4.125%
HK$16,730
baseline
▲ 0.50% · 4.625%
HK$17,748
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,460/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,514
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,984
−HK$476/mo
Today · 4.125%
HK$18,460
baseline
▲ 0.50% · 4.625%
HK$19,433
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,920/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,892
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,479
−HK$597/mo
Today · 4.125%
HK$20,076
baseline
▲ 0.50% · 4.625%
HK$21,298
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,152/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,017
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,580
−HK$572/mo
Today · 4.125%
HK$22,152
baseline
▲ 0.50% · 4.625%
HK$23,320
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,304/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,040
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,726
−HK$696/mo
Today · 4.125%
HK$23,422
baseline
▲ 0.50% · 4.625%
HK$24,848
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,844/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,520
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,177
−HK$667/mo
Today · 4.125%
HK$25,844
baseline
▲ 0.50% · 4.625%
HK$27,207
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,688/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,337
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,219
−HK$895/mo
Today · 4.125%
HK$30,114
baseline
▲ 0.50% · 4.625%
HK$31,947
+HK$1,833/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,228/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,525
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,371
−HK$857/mo
Today · 4.125%
HK$33,228
baseline
▲ 0.50% · 4.625%
HK$34,980
+HK$1,752/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,456/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,122 · 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).