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$15,729
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,218
−HK$497/mo
Today · 4.125%
HK$16,715
baseline
▲ 0.50% · 4.625%
HK$17,732
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,430/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,498
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,968
−HK$476/mo
Today · 4.125%
HK$18,444
baseline
▲ 0.50% · 4.625%
HK$19,416
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,888/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,875
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,462
−HK$596/mo
Today · 4.125%
HK$20,058
baseline
▲ 0.50% · 4.625%
HK$21,279
+HK$1,221/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,116/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,998
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,561
−HK$571/mo
Today · 4.125%
HK$22,132
baseline
▲ 0.50% · 4.625%
HK$23,299
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,264/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,021
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,706
−HK$695/mo
Today · 4.125%
HK$23,401
baseline
▲ 0.50% · 4.625%
HK$24,825
+HK$1,424/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,802/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,498
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,155
−HK$666/mo
Today · 4.125%
HK$25,821
baseline
▲ 0.50% · 4.625%
HK$27,182
+HK$1,361/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,642/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,312
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,193
−HK$895/mo
Today · 4.125%
HK$30,088
baseline
▲ 0.50% · 4.625%
HK$31,918
+HK$1,830/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,176/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,497
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,342
−HK$857/mo
Today · 4.125%
HK$33,199
baseline
▲ 0.50% · 4.625%
HK$34,949
+HK$1,750/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,398/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,938 · 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).