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$15,726
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,215
−HK$497/mo
Today · 4.125%
HK$16,712
baseline
▲ 0.50% · 4.625%
HK$17,729
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,424/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,495
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,964
−HK$476/mo
Today · 4.125%
HK$18,440
baseline
▲ 0.50% · 4.625%
HK$19,412
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,880/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$206,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,871
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,458
−HK$596/mo
Today · 4.125%
HK$20,054
baseline
▲ 0.50% · 4.625%
HK$21,274
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,108/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,993
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,557
−HK$571/mo
Today · 4.125%
HK$22,128
baseline
▲ 0.50% · 4.625%
HK$23,294
+HK$1,166/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,256/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$206,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,016
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,701
−HK$695/mo
Today · 4.125%
HK$23,396
baseline
▲ 0.50% · 4.625%
HK$24,820
+HK$1,424/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,792/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,492
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,149
−HK$667/mo
Today · 4.125%
HK$25,816
baseline
▲ 0.50% · 4.625%
HK$27,176
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,632/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,306
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,187
−HK$894/mo
Today · 4.125%
HK$30,081
baseline
▲ 0.50% · 4.625%
HK$31,911
+HK$1,830/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,162/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,490
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,335
−HK$857/mo
Today · 4.125%
HK$33,192
baseline
▲ 0.50% · 4.625%
HK$34,941
+HK$1,749/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,384/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$206,893 · 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).