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$15,752
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,242
−HK$498/mo
Today · 4.125%
HK$16,740
baseline
▲ 0.50% · 4.625%
HK$17,759
+HK$1,019/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,480/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,524
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,994
−HK$477/mo
Today · 4.125%
HK$18,471
baseline
▲ 0.50% · 4.625%
HK$19,444
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,942/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,903
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,491
−HK$597/mo
Today · 4.125%
HK$20,088
baseline
▲ 0.50% · 4.625%
HK$21,310
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,176/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,029
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,593
−HK$572/mo
Today · 4.125%
HK$22,165
baseline
▲ 0.50% · 4.625%
HK$23,333
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,330/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,053
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,739
−HK$697/mo
Today · 4.125%
HK$23,436
baseline
▲ 0.50% · 4.625%
HK$24,862
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,872/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,534
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,192
−HK$667/mo
Today · 4.125%
HK$25,859
baseline
▲ 0.50% · 4.625%
HK$27,222
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,718/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,354
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,236
−HK$896/mo
Today · 4.125%
HK$30,132
baseline
▲ 0.50% · 4.625%
HK$31,965
+HK$1,833/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,264/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,543
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,389
−HK$859/mo
Today · 4.125%
HK$33,248
baseline
▲ 0.50% · 4.625%
HK$35,000
+HK$1,752/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,496/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,242 · 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).