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$15,734
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,223
−HK$497/mo
Today · 4.125%
HK$16,720
baseline
▲ 0.50% · 4.625%
HK$17,738
+HK$1,018/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$206,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,503
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,973
−HK$476/mo
Today · 4.125%
HK$18,449
baseline
▲ 0.50% · 4.625%
HK$19,422
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,898/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,880
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,468
−HK$596/mo
Today · 4.125%
HK$20,064
baseline
▲ 0.50% · 4.625%
HK$21,285
+HK$1,221/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$206,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,004
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,567
−HK$572/mo
Today · 4.125%
HK$22,139
baseline
▲ 0.50% · 4.625%
HK$23,306
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,278/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,027
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,712
−HK$696/mo
Today · 4.125%
HK$23,408
baseline
▲ 0.50% · 4.625%
HK$24,833
+HK$1,425/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,816/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,505
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,162
−HK$667/mo
Today · 4.125%
HK$25,829
baseline
▲ 0.50% · 4.625%
HK$27,190
+HK$1,361/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,658/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,320
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,201
−HK$895/mo
Today · 4.125%
HK$30,096
baseline
▲ 0.50% · 4.625%
HK$31,928
+HK$1,832/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,192/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,506
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,351
−HK$857/mo
Today · 4.125%
HK$33,208
baseline
▲ 0.50% · 4.625%
HK$34,959
+HK$1,751/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,416/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,997 · 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).