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$15,721
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,210
−HK$497/mo
Today · 4.125%
HK$16,707
baseline
▲ 0.50% · 4.625%
HK$17,723
+HK$1,016/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,414/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,489
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,958
−HK$476/mo
Today · 4.125%
HK$18,434
baseline
▲ 0.50% · 4.625%
HK$19,406
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,868/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,865
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,452
−HK$596/mo
Today · 4.125%
HK$20,048
baseline
▲ 0.50% · 4.625%
HK$21,268
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,096/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,987
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,550
−HK$571/mo
Today · 4.125%
HK$22,121
baseline
▲ 0.50% · 4.625%
HK$23,287
+HK$1,166/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,242/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,009
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,694
−HK$695/mo
Today · 4.125%
HK$23,389
baseline
▲ 0.50% · 4.625%
HK$24,812
+HK$1,423/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,778/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,485
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,142
−HK$666/mo
Today · 4.125%
HK$25,808
baseline
▲ 0.50% · 4.625%
HK$27,168
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,616/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,297
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,178
−HK$894/mo
Today · 4.125%
HK$30,072
baseline
▲ 0.50% · 4.625%
HK$31,902
+HK$1,830/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,144/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,481
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,325
−HK$856/mo
Today · 4.125%
HK$33,181
baseline
▲ 0.50% · 4.625%
HK$34,930
+HK$1,749/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,362/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,830 · 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).