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$15,741
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,230
−HK$498/mo
Today · 4.125%
HK$16,728
baseline
▲ 0.50% · 4.625%
HK$17,746
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,456/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,511
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,981
−HK$476/mo
Today · 4.125%
HK$18,457
baseline
▲ 0.50% · 4.625%
HK$19,430
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,914/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,889
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,476
−HK$597/mo
Today · 4.125%
HK$20,073
baseline
▲ 0.50% · 4.625%
HK$21,295
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,146/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,014
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,577
−HK$572/mo
Today · 4.125%
HK$22,149
baseline
▲ 0.50% · 4.625%
HK$23,316
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,298/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,037
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,722
−HK$697/mo
Today · 4.125%
HK$23,419
baseline
▲ 0.50% · 4.625%
HK$24,844
+HK$1,425/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,838/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,516
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,173
−HK$667/mo
Today · 4.125%
HK$25,840
baseline
▲ 0.50% · 4.625%
HK$27,202
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,680/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,333
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,214
−HK$896/mo
Today · 4.125%
HK$30,110
baseline
▲ 0.50% · 4.625%
HK$31,942
+HK$1,832/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,220/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,520
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,366
−HK$857/mo
Today · 4.125%
HK$33,223
baseline
▲ 0.50% · 4.625%
HK$34,974
+HK$1,751/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,446/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,090 · 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).