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$15,730
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,219
−HK$497/mo
Today · 4.125%
HK$16,716
baseline
▲ 0.50% · 4.625%
HK$17,733
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,432/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,499
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,968
−HK$477/mo
Today · 4.125%
HK$18,445
baseline
▲ 0.50% · 4.625%
HK$19,417
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,890/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,876
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,463
−HK$596/mo
Today · 4.125%
HK$20,059
baseline
▲ 0.50% · 4.625%
HK$21,280
+HK$1,221/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,118/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,999
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,562
−HK$571/mo
Today · 4.125%
HK$22,133
baseline
▲ 0.50% · 4.625%
HK$23,300
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,266/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,022
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,707
−HK$695/mo
Today · 4.125%
HK$23,402
baseline
▲ 0.50% · 4.625%
HK$24,826
+HK$1,424/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,804/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,499
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,156
−HK$666/mo
Today · 4.125%
HK$25,822
baseline
▲ 0.50% · 4.625%
HK$27,183
+HK$1,361/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,644/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,313
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,194
−HK$895/mo
Today · 4.125%
HK$30,089
baseline
▲ 0.50% · 4.625%
HK$31,920
+HK$1,831/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,178/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,498
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,343
−HK$857/mo
Today · 4.125%
HK$33,200
baseline
▲ 0.50% · 4.625%
HK$34,950
+HK$1,750/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,400/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,946 · 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).