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$15,733
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,222
−HK$498/mo
Today · 4.125%
HK$16,720
baseline
▲ 0.50% · 4.625%
HK$17,737
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,440/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,503
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,972
−HK$476/mo
Today · 4.125%
HK$18,448
baseline
▲ 0.50% · 4.625%
HK$19,421
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,896/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,880
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,467
−HK$597/mo
Today · 4.125%
HK$20,064
baseline
▲ 0.50% · 4.625%
HK$21,284
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,128/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,003
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,567
−HK$571/mo
Today · 4.125%
HK$22,138
baseline
▲ 0.50% · 4.625%
HK$23,305
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,276/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,026
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,711
−HK$696/mo
Today · 4.125%
HK$23,407
baseline
▲ 0.50% · 4.625%
HK$24,832
+HK$1,425/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,814/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,504
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,161
−HK$667/mo
Today · 4.125%
HK$25,828
baseline
▲ 0.50% · 4.625%
HK$27,189
+HK$1,361/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,656/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,319
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,200
−HK$895/mo
Today · 4.125%
HK$30,095
baseline
▲ 0.50% · 4.625%
HK$31,926
+HK$1,831/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,190/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,505
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,350
−HK$857/mo
Today · 4.125%
HK$33,207
baseline
▲ 0.50% · 4.625%
HK$34,958
+HK$1,751/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,414/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,990 · 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).