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$15,751
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,241
−HK$498/mo
Today · 4.125%
HK$16,739
baseline
▲ 0.50% · 4.625%
HK$17,757
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,478/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,523
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,993
−HK$477/mo
Today · 4.125%
HK$18,470
baseline
▲ 0.50% · 4.625%
HK$19,443
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,940/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,901
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,489
−HK$598/mo
Today · 4.125%
HK$20,087
baseline
▲ 0.50% · 4.625%
HK$21,309
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,174/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,028
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,591
−HK$573/mo
Today · 4.125%
HK$22,164
baseline
▲ 0.50% · 4.625%
HK$23,332
+HK$1,168/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,328/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,052
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,737
−HK$697/mo
Today · 4.125%
HK$23,434
baseline
▲ 0.50% · 4.625%
HK$24,860
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,868/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,532
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,190
−HK$668/mo
Today · 4.125%
HK$25,858
baseline
▲ 0.50% · 4.625%
HK$27,221
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,716/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,352
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,234
−HK$896/mo
Today · 4.125%
HK$30,130
baseline
▲ 0.50% · 4.625%
HK$31,963
+HK$1,833/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,260/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,541
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,387
−HK$858/mo
Today · 4.125%
HK$33,245
baseline
▲ 0.50% · 4.625%
HK$34,998
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,490/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,229 · 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).